ICBC's housing loan interest rate is the most favorable. At present, you can enjoy the lowest discount of 15% off the benchmark interest rate, but it is much smaller than the previous lowest discount of 30% off. China Agricultural Bank and China Construction Bank have recently cancelled the interest rate concessions for second-home loans.

Bank of China implements the benchmark interest rate of 1. 1 multiple, that is, it rises above the benchmark interest rate of 10%. If the customer's qualification is good, the benchmark interest rate will be implemented.