There is no uniform standard for the real estate mortgage interest rate of Agricultural Bank of China. The interest rate is obtained by floating on the basis of the benchmark interest rate of commercial loans, and the floating range is mostly 5% to 20%. The benchmark interest rate for commercial loans is:

1. The loan covers one year, and the benchmark interest rate for commercial loans is 4.35%.

2. The loan term is one to five years, including five years, and the benchmark interest rate for commercial loans is 4.75%.

3. The benchmark interest rate for commercial loans over five years is 4.90%. Conditions of Housing Mortgage Loan of Agricultural Bank of China

1. The borrower is between 18-60 years old; Having People's Republic of China (PRC) nationality, full capacity for civil conduct and legal and valid identity documents;

2. The borrower and spouse meet the credit record conditions stipulated by the bank;

3. Have a fixed residence or a stable work unit;

4. If the loan is used for consumption, the credit score is above 580 (inclusive), and if the loan is used for business, the credit score is above 465 (inclusive);

5. Stable income and the ability to repay loans on schedule;

6. The purpose of the loan is reasonable and clear;

7. Open a personal settlement account in China Agricultural Bank.