The interest rate of Huai 'an mortgage in 2022 is as follows: 1. Short-term loans The interest rate within one year (including one year) is 4.35%. 2. Medium and long-term loans. The interest rate for one year to five years (including five years) is 4.75%. The interest rate over five years is 4.90%. 3. Personal housing provident fund loans. The interest rate for less than five years (including five years) is 2.75%. The interest rate over five years is 3.25%.