ICBC's mortgage interest rate fluctuates to some extent according to the central bank's benchmark interest rate, which is about 1. 1 times of the central bank's benchmark interest rate. The specific data of the national benchmark interest rate in 20 19 are as follows:

1. Annual interest rate of commercial loans within one year: 4.350%.

2. Annual interest rate of commercial loans for one to five years: 4.750%.

3. The annual interest rate of commercial loans over five years: 4.900%.

4. Annual interest rate of provident fund loans for less than five years: 2.750%.

5. Annual interest rate of provident fund loans for more than five years: 3.250%.

The mortgage interest rate in China is not always constant, but often changes. Since 20654381October 24th, the central bank has lowered the interest rate by 0.25 percentage point and the RRR by 0.5 percentage point. The central bank also announced the liberalization of the floating ceiling of deposit interest rates. However, the relevant person in charge of the central bank stressed that the cancellation of administrative restrictions on interest rate fluctuations does not mean that the central bank will no longer manage interest rates, and interest rate marketization will enter a new stage.