In 2023, the mortgage interest rate will be 4.35% within one year. The loan interest rate for one to five years is 4.75%. The loan interest rate for more than 3.5 years is 4.90%. 4. The interest rate of provident fund loans is 2.75% for less than 5 years (including 5 years) and 3.25% for more than 5 years. It should be noted that the interest rate of the second set of personal housing provident fund loans with limited purchases and loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years are not less than 3.025% and 3.575% respectively.