The mortgage interest rate in 218 is different according to the loan type and nature. For commercial loans, the benchmark interest rates implemented by banks are as follows: less than one year (including one year): 4.35% for one year to five years (including five years): 4.75% for more than five years: 4.9%

However, due to the restrictions on purchases and loans, the real interest rates generally rose. For example, the national average interest rate for first home loans rose by 5% in 218. The benchmark interest rate of provident fund loans is 3.25%, while the interest rate of second-home loans generally rises by 1%.

It is worth noting that the mortgage interest rate is calculated based on the mortgage situation of the borrower's family. If the family's existing mortgage is not settled, it will be regarded as the second suite if it applies for a loan again. The floating range of interest rates shall be stipulated by the People's Bank of China, and commercial banks shall adjust themselves on the basis of the benchmark interest rate, and once a year on January 1st, unless the benchmark interest rate changes.

generally speaking, the mortgage interest rate in 218 is not fixed, but fluctuates due to the influence of the market and policies. Therefore, the real interest rate will vary according to the personal loan situation and the bank's policy.