2.6% to 3.575%. According to official website of Xiamen Municipal People's Government, the lower limit of mortgage interest rate in Xiamen in 2022 is: the interest rate of the first individual housing provident fund loan is 2.6% for less than five years (including five years) and 3.1%for more than five years; The interest rate policy of two sets of personal housing provident fund loans remains unchanged, that is, the interest rate for less than five years (including five years) is 3.025%, and the interest rate for more than five years is 3.575%, so the lower limit of Xiamen mortgage interest rate in 2022 is 2.6% to 3.575%.