the bank loan interest rate is comprehensively evaluated according to the credit status of the loan, and the loan interest rate level is determined according to the credit status, collateral, national policy (whether it is the first home or not). If all aspects are well evaluated, the mortgage interest rates implemented by different banks are different. In 211, due to the shortage of funds and other reasons, the first home loan interest rate of some banks was 1.1 times or 1.5 times the benchmark interest rate. Since 212, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 211. The interest rate is 7.5% for more than five years, and the monthly interest rate is 7.5%/12 < P > The monthly repayment amount of 3, yuan in 1 years (12 months): < P > 3, yuan * 7.5%/12 * (1+7.5%/12.