As of June 5438+065438+ 10, 2023, the interest rate of China Construction Bank's second mortgage was between 5.335% and 6.306%, which was adjusted up and down on the basis of the benchmark interest rate according to the borrower's credit status, collateral value, loan term and other factors.

The interest rate of subprime mortgage is usually higher than that of the first mortgage, because the risk in two mortgage is relatively high. Banks usually assess the risk of borrowers according to their credit status, collateral value, loan term and other factors, and then decide whether to approve the secondary mortgage and the specific interest rate level.