4.25 percent. According to Tianshui's query. Com, as of May 2023, China Banking and Insurance Regulatory Commission (the central bank) issued a notice to adjust the lower limit of the personal mortgage interest rate of the first set of housing commercial loans. Less than a week later, the central bank announced the latest loan market quotation: 1 year LPR is 3.7%, which remains unchanged, and the LPR is 4.45% for more than five years, which means that the loan interest rate for the first suite can be reduced to 4.25% and that for the second suite can be reduced to 4.25%.