1. Housing installment is also a mortgage loan, and its interest rate is subject to the benchmark interest rate table published by the central bank, which is 4.35% for less than one year; 4.75% for one to five years; More than five years is 4.9%. Different banks have different policies on housing mortgage loans, which cannot be simply compared. Taking China Bank as an example, according to the loan term, the loan interest rate of the corresponding grade published by the People's Bank of China is implemented.

2. The interest rate of mortgage depends on the different attributes and locations of collateral. The general loan interest rate is around 4.5%-7%, which is about 2% higher than the mortgage loan. However, mortgage loans can only be used for business or consumption and cannot flow into the housing market.