The highest interest rate is 5.5% for the first home and 5.6% for the second home.

The mortgage interest rates of various banks in Lianyungang have dropped in 2022. For example, ICBC and Bank of Communications have dropped from 5.7% to 5.5%, second-home loans have dropped from 5.9% and 5.8% to 5.6%, and Zhangjiagang Bank has dropped from 5.5%. to 5.15%, and the second home loan interest rate dropped from 5.6% to 5.25%. Other banks are lowering the corresponding mortgage interest rates, ranging from high to low. Generally speaking, the highest interest rate is 5.5% for the first home and 5.6% for the second home. Among them, the lowest interest rate for the first home of Zhangjiagang Bank is 5.15% and 5.25% for the second home. Compared with January, the down payment ratio has not changed significantly. The conditions of ICBC and Agricultural Bank of China A good down payment can be as low as 20%, and the maximum loan can be 80%.

Mortgage interest rate refers to a loan obtained from a bank using real estate. The interest on the loan must be paid according to the interest rate specified by the bank. China's mortgage interest rates are uniformly stipulated by the People's Bank of China, and each commercial bank can float within a certain range when implementing it. China's mortgage interest rates are not always constant, but change frequently. The form is that the interest rates have been rising, so the situation before the interest rate increase is often compared with the situation after the interest rate increase.