5. 1%。 According to official website, Shouguang Municipal People's Government, in 2022, the banking institutions in Shouguang generally lowered the interest rate of individual housing loans, with the average interest rate of the first home loan being 5.4% and the average interest rate of the second home loan being 5.5%. After the mortgage interest rate was lowered in 2023, the average interest rate of the first home loan was 5. 1%, and the interest rate of the second home loan was lowered to 5.2%.