Unless the central bank's benchmark interest rate is lowered. The bank mortgage interest rate is constantly changing, the difference between the benchmark mortgage interest rate and the real mortgage interest rate.

Benchmark interest rate of mortgage: We know that the benchmark interest rate of mortgage is the benchmark interest rate of loans for five years and above stipulated by the central bank, which is applicable to all industries and all commercial banks. In the field of mortgage, we call it "benchmark mortgage interest rate".

At present, the benchmark mortgage interest rate is 4.9%, which was determined in 2005 when it was 2065438+ 10.