The benchmark annual interest rate of ICBC's mortgage is 5.94%. ICBC's mortgage interest rate fluctuates according to the central bank's benchmark loan interest rate, with a fluctuation range of 0.5 to 2 percentage points. The actual floating range is determined by ICBC, and the benchmark interest rate of central bank loans is: the benchmark interest rate of commercial loans. Within one year (including one year), the interest rate is 4.35%. The loan term is one to five years (including five years) and the interest rate is 4.75%. The loan is over five years, and the interest rate is 4.90%. Benchmark interest rate of provident fund loans. For five years or less, the interest rate is 2.75%. For more than five years, the interest rate is 3.25%. A natural person with full capacity for civil conduct, aged between 18 and 60 (excluding); Having legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate; Have a stable source of income and the ability to repay the loan principal and interest in full and on time.

On August 25th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 26th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 1.75%. At the same time, the floating ceiling of interest rates for time deposits of more than one year will be liberalized, while the floating ceiling of interest rates for demand deposits and time deposits of less than one year will remain unchanged. From 2065438 to September 6, 2005, the RMB deposit reserve ratio of financial institutions will be lowered by 0.5 percentage point, so as to keep liquidity in the banking system reasonably abundant and guide the steady and moderate growth of money and credit. China Industrial and Commercial Bank is a financial institution engaged in deposit and loan, settlement and cash management. Established in June 1 984 65438+1October1,it is a large state-owned bank under central management.