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, specifically:

1, the mortgage interest rate within one year (including one year) is 4.35%;

2. The mortgage interest rate for one year to five years (including five years) is 4.75%;

3. The mortgage interest rate for more than five years is 4.90%;

4. The mortgage interest rate of individual housing provident fund loans for less than five years (including five years) is 2.75%;

5. The loan interest rate of individual housing provident fund for more than five years is 3.25%.

What's the interest rate for mortgage bank loans?

Buying a house by loan is a common choice now, mainly because the house price is on the high side, and not everyone can pay the full amount in one lump sum, so buying a house by loan becomes an inevitable choice. Buying a house by loan is generally to mortgage the real estate license to the bank, and the loan bank charges a certain interest. The applicant repays a certain amount of principal and interest every month. What is the interest rate of mortgage loan to the bank? Let's take a look with Bian Xiao.

1, Bank of China

The interest rate of mortgage bank loans is usually determined according to the length of the loan period. The housing loan interest rate of China Bank is 4.60% for less than one year, 5.00% for one to five years, and 5. 15% for more than five years. The interest rate of China Bank is adjusted according to the People's Bank of China.

2. Industrial and Commercial Bank of China

The housing loan interest rate of China Industrial and Commercial Bank is raised by 10% based on the benchmark interest rate, that is, the interest rate is 4.86% within six months, 5.3 1% within six months, 5.4% within 1 to three years, and 5.76% within three to five years and above.

3. Agricultural Bank of China

The housing loan interest rate of ABC is adjusted by 5%-20% on the basis of the benchmark interest rate, so the loan interest rate is about 4.35% for one year, 4.5% for one to three years, 4.75% for three to five years and 4.9% for five years or more.

4. China Construction Bank

The housing loan interest rate of China Construction Bank is 20% higher than the benchmark interest rate. The loan interest rate is 6. 1% for six months, 6.56% for six months to 1 year, 6.65% for three years, 6.9% for three to five years, and 7.05% for more than five years.