ICBC with the lowest mortgage interest. There is little difference in mortgage interest between banks. Interest is not set by the bank itself, but is required by the CBRC. Each bank has only a weak adjustment authority. Generally speaking, the four major state-owned banks, China Bank, China Construction Bank, China Industrial and Commercial Bank and China Agricultural Bank, all have relatively low interest rates. These four banks handle mortgage loans quickly, but the data review is very strict. Other small banks have small loans and slow speed, but the requirements are simple. If you have to say which bank's mortgage interest rate is relatively low, then under normal circumstances, some big banks, led by Industrial and Commercial Bank of China and Agricultural Bank, have relatively low loan interest rates. With the marketization of loan interest rates, most joint-stock commercial banks have the right to decide their own loan interest rates, and different bank loan interest rates are different.