The history of housing mortgage loan is based on the benchmark interest rate stipulated by the state, and banks rise appropriately according to their own conditions. At present, the benchmark interest rate is 6. 105%, and the minimum floating rate of mortgage is 20% and the maximum floating rate is 30%. At present, the general mortgage interest rate is around 7.68%, and the postal service in Tianjin is up 25%, with an interest rate of 7.68%. Interest rates will vary from place to place.