The annual interest rate of ICBC's housing loan is 4.35%. Since 20 15, 15124, the central bank has cut interest rates by 0.25 percentage points, down by 0.5 percentage points. 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 abolition 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. 1. Short-term loan: within one year (including one year): annual interest rate of 4.35%. 2. Medium-and long-term loans: one to five years (including five years): the annual interest rate for more than five years is 4.75%; the annual interest rate for more than three years is 4.90%. 3. The interest rate of provident fund loans is 2.75% for five years or less, and 3.25% for the first suite of ICBC. Second suite 1. 1 times the benchmark interest rate, with an interest rate of 5.67% and a down payment of 50%; The lowest interest rate of commercial housing is benchmark interest rate 1. 1 times, the lowest interest rate is 5.67%, the highest interest rate is benchmark interest rate 1.4 times, the highest interest rate is 7.2 1%, and the down payment is 50%. The real estate loan terms of ICBC are 1. A natural person with full capacity for civil conduct, aged between 18 and 65; Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation; 2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement); 3. Have a good credit record and willingness to repay; 4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time; 5. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income, and other projects explicitly prohibited by national laws and regulations; 6. Can provide legal, effective and reliable house mortgage recognized by the bank; 7. Open a personal settlement account in China Industrial and Commercial Bank; 8. Other conditions stipulated by the bank.

Legal basis: Interim Measures for Personal Loans Personal loan applications shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.