The mortgage interest rate of bank loans is the same. The annual interest rate of the loan is as follows: within six months (including six months), 4.85% for loans from six months to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), and 5.40% for bank loans. The process of mortgage is as follows: provide information: ID card, household registration book, marriage certificate, income certificate, bank account number, property right certificate and land certificate (married couple). After the information is submitted to the bank, the bank will check the lender's credit information. If there is no problem with the lender's credit information, it will call you and tell you to apply for mortgage from the Housing Authority, and the mortgage bank will lend money after obtaining his rights.