The interest of the first home loan will generally fluctuate around the central bank's benchmark interest rate, with a fluctuation range of 0-20%, which is determined by the banks according to their own operating conditions and the borrower's credit status.

At present, the benchmark interest rate of central bank mortgage is as follows:

1, provident fund loan (implementation benchmark, comparable)

1) within 5 years, the interest rate is 2.75%;

2) The loan is over 5 years, and the interest rate is 3.25%.

2. Commercial loans

1) loan 1 year (inclusive), and the interest rate is 4.35%;

2) The loan is within 1 year to 5 years (inclusive), and the interest rate is 4.75%;

3) The loan is over 5 years, and the interest rate is 4.9%.