Zhengzhou first home loan interest rate within one year (including 1 year): 5.60%; One to five years (including five years): 6.00%, more than five years: 6. 15%.

According to "The Interest Rate of Personal Housing Mortgage Loan is Raised by 20 19", the loan interest rate is 5.60% within one year (including 1 year), 6.00% for one to five years (including five years) and 6. 15% for more than five years.

The loan interest rate is related to the purpose, nature, term, policy and personal credit of the lender. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The interest rate level is determined by the bank's loan purpose, loan nature, loan term, loan policy and personal credit of the lender, and the upper limit is 4 times of the benchmark interest rate for the same period. The current benchmark loan interest rate was newly adjusted and implemented by the People's Bank of China on 2065438+2005124 October.