0.5 percent. According to the inquiry of official website, the central bank of China, since June 8, 2020, the interest rate of new commercial personal housing loans has been based on the pricing benchmark of adding LPR with the same term. The interest rate of the first home loan shall not be lower than the LPR in the same period, the interest rate of the second home loan shall not be lower than the LPR plus 60 basis points in the same period, and the minimum point of Yangzhou housing loan in 2020 shall be 0.5%.