4.90%。 Commercial loans are personal housing loans, commercial banks and housing savings banks approved by the central bank. They are loans for urban residents to buy ordinary houses, and the loan interest rate is implemented according to the benchmark interest rate of central bank loans. As of February 6, 2022, the interest rate of commercial housing loans in Huainan was 4.90%. Huainan, known as Zhoulai in ancient times, is a prefecture-level city under the jurisdiction of Anhui Province, a second-class big city, an energy production base dominated by coal and electricity in East China, an important central city in northern Anhui, and an important national energy base approved by the State Council.