The mortgage interest rate is 6. 15, which is legal. After all, it is below 10% and does not exceed 36%, so it is not usury. However, the annual interest rate of mortgages above 6% is not low.

Matters needing attention in handling mortgage loans:

1. Apply for a mortgage according to your own economic conditions, pay attention to the loan amount, and don't exceed your ability.

2. To apply for a mortgage, you should provide real information and not resort to deceit.

3. Before handling the mortgage, we should find out the repayment method and choose the appropriate repayment method according to our own economic situation.

4. If you apply for a housing provident fund loan, don't use the provident fund deposit before applying for a loan.

Don't repay the mortgage in advance within one year. Partial prepayment shall be made after 1 year, and the amount returned shall exceed the repayment amount of 6 months.

6. Repay in full and on time. When you repay the mortgage, you must repay it in full and on time, and there must be no overdue behavior.

7. Users who can't repay on time should apply for extension in time.

8. When the mortgage is paid off, the mortgage must be released.

9. Don't lose the loan contract and IOUs.