Not tall. The mortgage interest rate of 5.25 is 60 basis points of LPR. According to the data monitoring released by an institution, in March of 20021year, the average interest rate of the first home loan in China was 5.28%, and the average interest rate of the second home loan was 5.57%, rising by 63 basis points and 92 basis points respectively. Relatively speaking, the mortgage interest rate of 5.05 is not high.