4.35% to 4.90%. According to China Rural Commercial Bank official website, the interest rate of rural commercial banks' real estate mortgage loans is 4.35% to 4.90%, the interest rate of short-term real estate mortgage loans within one year is 4.35%, the interest rate of medium-term real estate mortgage loans from one year to five years is 4.75%, and the interest rate of long-term real estate mortgage loans over five years is 4.90%.