According to Cai Xi. Com, in 2023, the lower limit of the first commercial personal housing loan interest rate of China Everbright Bank is 1 year, and the lower limit of the interest rate over five years is 4.0%. In 2023, the interest rate of the first suite of the provident fund loan of China Everbright Bank: 2.6% for five years or less, and 3. 1% for more than five years.