1. As one of the four state-owned banks, CCB has a wide distribution of outlets and low interest rates, so many borrowers will consider CCB. It is said that the annual interest rate of CCB is around 6%, which is less than that of other banks, and the mortgage amount is relatively high, so the subtle differences in interest rates will vary greatly.

2. ICBC Universe Bank's business efficiency is relatively high, and it can be done in five working days at the earliest, while other banks may need half a month. So if you want to get a mortgage quickly, you can give priority to ICBC. It should be noted that the consequences of overdue repayment are very serious, and borrowers should never overdue repayment.