If you have a mortgage, you can get a loan

200,000 yuan may not be enough, depending on your local bank and China Bank. The loan standards vary from place to place.

Annual interest rate of loan period

6.48% from October to June (including June)

June-1 year (including 1 year) 7.29%

1-3 years (including 3 years) 7.47%

3-5 years (including 5 years) 7.65%

5-30 years (including 30 years) 7.83%

According to the current domestic CPI, interest rates should still rise.