The specific interest rates for Construction Bank credit loans in 2021 are as follows:

Short-term loans. The loan interest rate for six months (inclusive) is 4.35%; the loan interest rate for six months to one year (inclusive) is 4.35%.

Medium and long-term loans. The interest rate for loans from one to three years (inclusive) is 4.75%; the interest rate for loans from three to five years (inclusive) is 4.75%; the interest rate for loans over five years is 4.9%.

China Construction Bank, formerly the People's Construction Bank of China, was established on October 1, 1954 (later officially renamed China Construction Bank on March 26, 1996). The head office is located at No. 25 Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit.

China Construction Bank’s main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life, property and casualty insurance, Subsidiaries in investment banking, futures, pensions and other industries.

China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country. On June 30, 2016, the British "Banker" magazine released the "Ranking of the World's 1,000 Largest Banks", and China Construction Bank ranked second.

In February 2017, Brand Finance released the list of the top 500 global brands in 2017, with China Construction Bank ranking 14th. In 2018, it ranked 31st among the Fortune Global 500.

In December 2018, the "Top 500 World Brands 2018" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. In July 2019, it was selected into the 2019 Fortune Global 500.

Ranked 40th on the list of the top 100 Chinese enterprises along the Belt and Road Initiative. In December 2019, China Construction Bank was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony. On December 18, 2019, the People's Daily released the China Brand Development Index 100 list, with China Construction Bank ranking 25th. On January 4, 2020, it won the "Sustainable Development Benefit Award" of the 2020 Finance Evergreen Award. In March 2020, it was selected as the 13th among the top 500 global brands in 2020.

Personal housing loan business refers to loans issued by China Construction Bank or China Construction Bank upon entrustment to natural persons who purchase, build, and overhaul various types of houses in cities and towns in mainland China.

China Construction Bank’s personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loans, housing loans, that is, second-hand housing loans, personal commercial housing loans, Personal housing mortgage loan, etc.), provident fund personal housing loan and personal housing portfolio loan.

Starting October 9, 2014. CCB supports the reasonable housing loan needs of households. For households purchasing their first home with a loan, the minimum loan down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate. It is determined based on the borrower's home purchase situation, credit record, repayment ability and other factors.