The benchmark annual interest rate of ICBC's mortgage is 5.94%.

The loan interest rate of China Industrial and Commercial Bank is subject to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. The longest loan period for new house loans is not more than 30 years, and that for second-hand houses is not more than 20 years. The loan amount is 70% of the appraised value of the house.

Loan terms:

1, a natural person with full capacity for civil conduct, aged between 18 and 60 (exclusive);

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and proof of marital status;

3, with a stable source of income and the ability to repay the loan principal and interest in full and on time.

Extended data:

At present, the mortgage interest rate is implemented according to the benchmark interest rate of the central bank. Usually, banks will float on the basis of the benchmark interest rate by 0.5 to 2 percentage points. The benchmark interest rate of the central bank is:

First, the benchmark loan interest rate.

1. Within one year (including one year), the interest rate is 4.35%.

2. The loan term is one to five years (including five years) and the interest rate is 4.75%.

3. If the loan term exceeds five years, the interest rate is 4.90%.

Second, the benchmark interest rate of provident fund loans

1, less than five years (including five years), and the interest rate is 2.75%.

2. For more than five years, the interest rate is 3.25%.