China Bank's mortgage services are comprehensive, including individual housing loans, commercial housing loans, provident fund loans and portfolio loans. Moreover, the loan approval speed of China Bank is faster than that of all banks. From application, approval to lending, two months is enough.

The mortgage interest rate of Bank of Communications is more favorable than that of its competitors. The repayment period of Bank of Communications mortgage covers 5 to 30 years, which is also very flexible for different customers. Therefore, compared with the two, BOC is better.