Legal analysis: the interest rate of passbook mortgage loans of all banks: the interest rate of short-term mortgage loans for six months (including) is 4.86% for ICBC, 4.35% for ABC and 6.1%for CCB; The short-term mortgage interest rate from 6 months to 1 year (inclusive) is 5.3 1% for ICBC, 4.35% for ABC and 6.56% for CCB. The medium and long-term mortgage interest rates for one to three years (inclusive) are 5.4% for ICBC, 5.4% for ABC and 6.65% for CCB.

Legal basis: Provisions on the Administration of RMB Interest Rate Article 7 The head office of the People's Bank of China shall perform the following interest rate management duties: (1) Formulate and implement interest rate policies and regulations according to the needs of national economic development and the requirements of monetary policy; (two) to lead the interest rate management of the branches of the People's Bank of China; (3) To supervise and inspect the implementation of national interest rate policies and regulations by financial institutions; (4) Coordinating and handling interest rate disputes and interest rate violations of financial institutions; (five) to publicize and explain the national interest rate policy and relevant laws and regulations; (six) to study, formulate and implement the national interest rate reform plan; (7) Monitoring and adjusting the interest rate in the financial market; (eight) other interest rate management work.