The mortgage interest rate is the annual interest rate. Apply for a loan in a bank with real estate, and pay interest at the interest rate stipulated by the bank. This interest rate is the bank mortgage interest rate, and the mortgage interest rate in China is uniformly stipulated by the People's Bank of China. During the loan period, when the bank's benchmark interest rate is adjusted, the mortgage interest rate will be adjusted every year 1+0. 20 15 mortgage interest rate 6.55% for loans over five years.