4.2%. According to the information of official website, Zhumadian municipal government adjusted the minimum mortgage interest rate to 4.2% in 20 19, while the national average mortgage interest rate was 5.38% in the same year. Zhumadian, a prefecture-level city under the jurisdiction of Henan Province, is located in the south-central part of Henan Province, in the hilly plain of the upper reaches of Huaihe River, on the third-class landform steps of China, across the eastern edge of Nanyang Basin and Huaibei Plain, and in the transitional zone between subtropical zone and warm temperate zone.