The mortgage interest rate in Hefei in 2023 will be 4.35% within one year, 4.75% within one to five years and 4.90% after 3.5 years.

Hefei provident fund loan interest rate is 2.75% for less than five years and 3.25% for more than five years.

Hefei mortgage interest rate determines the number of mortgage loans by the borrower's family. Families who use provident fund loans or commercial loans to buy houses apply for mortgage loans again, which is regarded as two suites.