Short-term loan: the annual interest rate for one year or less is 4.35%. Medium-and long-term loans: the annual interest rate for one year to five years (including five years) is 4.75%, and the annual interest rate for more than five years is 4.9%. Provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for less than five years. The specific loan interest rate shall be subject to the publicity of local rural commercial banks.

1.In 2020, the mortgage interest rate of rural commercial banks will rise by 0 to 30% on the basis of the benchmark interest rate of the central bank. The specific loan interest rate will be determined according to the regulations of the local rural commercial bank and the loan conditions of the lender.

2. Central Bank benchmark interest rate: the annual interest rate of commercial housing loans within 1 year (inclusive) is 4.35%, the annual interest rate of commercial housing loans within 1 to 5 years (inclusive) is 4.75%, and the annual interest rate of commercial housing loans over 5 years is 4.9%; The annual interest rate of individual housing provident fund loans for less than five years is 2.75%, and the annual interest rate of loans for more than five years is 3.25%.

3. The borrower must be at least 18 years old with full capacity for civil conduct, and need to have a relatively formal job and a stable income as a prerequisite to ensure the ability to repay the loan.

4. The borrower has signed a house purchase contract and a letter of intent with the developer, and is eligible for the loan.

5. The borrower has paid the down payment of more than 20% of the total house price. 6. If * * * is the same as the borrower, a written commitment signed by all parties shall be provided to clarify the repayment responsibility of * * *.

7. Both the lender and the property owner need to agree to mortgage the purchased house to the bank, and jointly handle the insurance of the mortgaged property to avoid differences in the future.