The mortgage interest rate in China is influenced by market competition. In order to attract customers, major commercial banks will adjust their interest rates according to their own operating conditions and market demand, as follows: Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Postal Savings Bank and Bank of China.

1, Industrial and Commercial Bank of China

Down payment interest: 5.79%; Interest on the second home loan: 6. 13%. Among these loans, the interest rate of the first set of housing loans rose by about 18% compared with the benchmark, and the interest rate of the second set of housing loans rose by 25% compared with the benchmark.

2. Agricultural Bank of China

Down payment interest: 5.88%; Second home loan interest: 6.32%. Among these loans, the loan interest rate of the first set of housing is about 20% higher than the benchmark, and the loan interest rate of the second set of housing loans is 29% higher than the benchmark.

3. China Construction Bank

Down payment interest: 5.78%; Second home loan interest: 5.88%. Among these loans, the interest rate of the first set of housing loans rose by about 18% compared with the benchmark, and the interest rate of the second set of housing loans rose by 20% compared with the benchmark.

4. Postal Savings Bank

Down payment interest: 5.78%; Second home loan interest: 5.98%. Among these loans, the interest rate of the first set of housing loans rose by about 18% compared with the benchmark, and the interest rate of the second set of housing loans rose by 22% compared with the benchmark.

5. Bank of China

Down payment interest: 5.78%; Second home loan interest: 6.075%. Among these loans, the interest rate of the first set of housing loans rose by about 18% compared with the benchmark, and the interest rate of the second set of housing loans rose by 24% compared with the benchmark.

Reference to the above content: Baidu Encyclopedia-Industrial and Commercial Bank of China