1. As of October 22, 2016, the benchmark interest rates for mortgage loans implemented by major banks are: 4.75 for loans of 1-3 years and 4.9 for loans of more than 5 years. Different banks can make appropriate adjustments based on the bank's own situation and the personal credit profile of the loan applicant. 2. Mortgage interest rate refers to a loan obtained from a bank using real estate. The interest on the loan must be paid according to the interest rate specified by the bank. 3. China's mortgage interest rates are uniformly stipulated by the People's Bank of China, and each commercial bank can float within a certain range when implementing it. China's mortgage interest rates are not always constant, but change frequently. The form is that the interest rates have been rising, so the situation before the interest rate increase is often compared with the situation after the interest rate increase.