1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years;
3. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.
Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range.
The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.