According to China Industrial and Commercial Bank's website official website, the interest rate of ICBC's housing loan is relatively low, reaching 3.3%. ICBC also has exclusive discount and zero installment fee. If you meet the acceptable conditions, you can get a low interest rate discount. Interest-free loan can make the lender only pay the actual loan amount and cash repayment, and realize the interest-free effect of the loan. Therefore, ICBC's housing loan interest rate is low. Real estate mortgage loans need to be handled by professional real estate guarantee companies, and real estate mortgage loans have become an important means of personal real estate financing for residents.