Legal analysis: it depends on the actual situation. The mortgage interest rate is based on the benchmark interest rate table published by the central bank, which is 4.35% for less than one year; 4.75% for one to five years; More than five years is 4.9%. Different banks have different policies on housing mortgage loans, which cannot be simply compared. Taking China Bank as an example, according to the loan term, the loan interest rate of the corresponding grade published by the People's Bank of China is implemented. But there are also banks that are higher than this ratio.

Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

"Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases" Article 26 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the one-year loan market quotation at the time of the establishment of the contract.