2.6% and 3. 1%. According to the enquiry of China Travel Service. Com, the central bank lowered the interest rate of the first individual housing provident fund loan by 0. 15 percentage points from June 2022, and adjusted the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1% respectively. In 2022, the mortgage interest rate in Changchun will be 2.6% and 3. 1%. Mortgage interest rate refers to the loan to buy a house in a bank, and the loan should pay interest according to the interest rate stipulated by the bank.