First, the traditional state-owned banks, such as Bank of China and Industrial and Commercial Bank of China, and some large commercial banks have strong financial support, and they all have the ability to win the mortgage market.

Second, some local city commercial banks have also highlighted their strong competitiveness in the fierce mortgage business with the advantage of low interest rates. For example, the interest rate of bank of tianjin's first home loan in Tianjin is only 20% off, while that of Nanjing Bank in Wuxi is 8.5% off, and Hangzhou Bank in Hangzhou can also enjoy an interest rate discount of 8.8%.

Third, the focus of foreign banks is also moving down, and they will also offer good conditions in the face of fierce competition.