4.45%。 Official website of the Postal Savings Bank shows that the interest rate of the first home loan in Heilongjiang can be reduced to 4.45%, depending on the customer's qualification. Mortgage is a kind of bank loan specially set up for buying a house. It is a loan that buyers apply to the bank and repay on time in the later period. The amount of mortgage is generally higher. When the bank approves, it needs to use the house as collateral and pay the principal and interest in full every month according to the contract.