3.65 percentage points plus basis points. The interest rate of the housing mortgage loan of the Postal Savings Bank will vary according to the loan term and the qualifications of the lender. If the loan term is less than 5 years (including 5 years), the annual interest rate is 3.65% plus basis points, and if the loan term is more than 5 years, the annual interest rate is 4.3% plus basis points.