3. 1 percentage point. According to the local network of Chengdu, the interest rate of the first home loan in Chengdu on 20 19 is 3. 1%, which belongs to provident fund loans, and the lowest interest rate of commercial loans is 5. 1%. Chengdu, referred to as Rongcheng and Jincheng for short, is a prefecture-level city, provincial capital, sub-provincial city, megacity and national central city under the jurisdiction of Sichuan Province.