The interest rate of apartment loan depends on the regulations of the lending bank, and the interest rate of different business types will be different; Moreover, the loan interest rate will also depend on the lender's credit status, guarantee methods and other factors. 0-6 months annual interest rate: 4.35%; 6 months-1 annual interest rate: 4.35%; Annual interest rate1-3: 4.75%; 3-5 years (annual interest rate: 4.75%; Annual interest rate for 5-30 years: 4.90%. Advantages of the apartment. 1, small and warm, suitable for two people. The area of the apartment is relatively small, but compared with the large apartment, it is more fashionable and warm, suitable for the world of two people. And a small house is more convenient to clean. 2. Sparrows are small and complete. Although the apartment area is small, it is fully functional. Although it is relatively compact, it is cost-effective for singles. 3, the surrounding environment is good, and the work life is correct. The surrounding environment of the apartment is good, the living facilities are abundant, and life, shopping, catering and entertainment are all available, which is not only convenient, but also has a higher quality of life. 4, more personalized property management, safe and thoughtful. The property management of apartments is more formal, and the supporting facilities will be better than commercial houses, such as intelligent security services and funny housekeeping services, which are beyond the reach of ordinary houses. It is better to rent an apartment, because many young people will choose this apartment now, which is cheaper than the large apartment, with better working and business environment and higher cost performance. 6. Save money and invest less. House prices are rising rapidly now. Not everyone can afford it, and most of them are far from the city center. Although the price per square meter of the apartment is higher, the total price is cheaper than that of the large apartment, and the burden is naturally small.