Compared with the high interest rate in 2023, the mortgage interest rate in 2022 was 5.7%, and the mortgage interest rate in 2023 decreased by 65,438+0 to 4.7%.

In 2022, the mortgage interest rates of major banks in China will be within one year, including one-year short-term loans. The benchmark interest rate of the central bank is 4.35%, and the benchmark interest rate of 1 to 5-year (inclusive) medium-term loans is 4.75%.