4.8% to 5.45%. According to China Changzhou. com, the interest rate of commercial individual housing loans has been formed by adding up from 20 1910.8, based on the pricing benchmark of the loan market quotation (LPR) in the last month. According to LPR on August 20th, the interest rates of the first individual housing loan and the second housing loan issued nationwide shall not be lower than 4.85% and 5.45%, so the lowest mortgage interest rate in Changzhou on August 20th19 is 4.8% to 5.45%.