February 20, 2023. According to relevant information, the lpr of rural commercial bank mortgage was adjusted on February 20, 2023, with an annual LPR of 3.65% and an LPR of 4.3% for five years and above. The housing loan interest rate of rural commercial banks is strictly in accordance with the loan interest rate stipulated by the People's Bank of China, which can also be divided into two aspects, namely, the commercial housing loan interest rate standard and the provident fund housing loan interest rate standard.