In 2022, the interest rate of Xinxiang housing loan will be around 5.88-6. 13%. According to relevant public information, the interest rate of Xinxiang housing loan in 2022 is about 5.88-6. 13%, and the down payment ratio is 20%. The interest rate of the second outstanding mortgage is basically between 6. 12-6.37%, and the down payment ratio is 30%.