In 217, the mortgage interest rate will be 4.9%, and the basic interest of commercial loans for more than five years will be 4.9%. After five interest rate cuts, the decline rate reached 2.33%. The lowest in history.

After the adjustment of general bank interest rate, the interest rate of the unpaid part of the loan is also adjusted. There are three forms:

First, after the adjustment of bank interest rate, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, Agricultural Bank and China Construction Bank mortgage are like this);

The second is full-year adjustment, that is, the new interest rate is adjusted and implemented every year after repayment (China Bank mortgage is like this);

Third, it is agreed by both parties that the new interest rate level will be implemented in the month after the bank's interest rate adjustment.