In 20 19, the interest rate of housing loan in Jiangxi province was 4.85%. In order to implement the national reform and improve the work arrangement of the formation mechanism of the loan market quotation rate (LPR), and promote the effective connection between the current real estate credit policy and the LPR formation mechanism. 2065438+On August 28th, 2009, the self-discipline mechanism of market interest rate pricing in Jiangxi Province held a provincial meeting to study and vote on the lower limit of interest rate for new commercial personal housing loans determined according to the formation mechanism of LPR.