The interest rate of Hangzhou 20 19 housing loan is as follows:

1. Short-term loan: the annual interest rate is within one year (including one year) and the annual interest rate is 4.35%;

2. Medium and long-term loans:

(1) The annual interest rate is 4.75% for one to five years (including five years);

(2) For more than five years, the annual interest rate is 4.90%;

3, personal housing provident fund loans

(1) For less than five years (including five years), the annual interest rate is 2.75%;

(2) For more than five years, the annual interest rate is 3.25%.

4. Interest rate of the first suite of commercial mortgage (down payment below 30%)

(1) general grant interest rate, 1. 1 times (5.39%)

(2) Interest rate, 1. 1 times (5.39%)

(3) Interest rate, 1.2 times (5.88%)

Note: This is the benchmark interest rate for loans. At present, the interest rate of the first home commercial loan is usually 1. 1 times, and some banks are slightly floating down or up.

5. Commercial mortgage interest rate for the second suite (down payment below 30%)

(1) general grant interest rate, 1.2 times (5.88%)

(2) Interest rate, 1. 1 times (5.39%)

(3) Interest rate, 1.3 times (6.37%)

Note: At present, the second home loan interest rate is 0.2 times or even higher than the benchmark interest rate of 65438+. The borrower's loan interest rate is related to both the bank and the borrower's qualification.