When handling mortgage loans, the major banks in Zhengzhou will adjust the loan interest rate according to the local actual situation, which is generally 1. 1 times the benchmark interest rate, that is, the commercial loan interest rate for more than five years is 5.39%. Because there are differences in different regions, the loan interest rate is subject to the actual mortgage interest rate of the bank.
At present, the People's Bank of China has announced the benchmark annual interest rate of loans: 1 year or less (including 1 year), with an annual interest rate of 4.35%; 1-5 years (including 5 years) with an annual interest rate of 4.75%; 5-30 years (including 30 years), annual interest rate for more than 5 years: 4.90%. Benchmark interest rate for housing provident fund loans: