The general commercial housing loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after approval by the handling outlets, but the age must be a natural person aged 18-65.

At present, PBOC has announced that the benchmark annual interest rate for loans is:

1, 0-6 months (inclusive), annual interest rate: 4.35%;

2.6 months-1 year (inclusive), with an annual interest rate of 4.35%;

3. 1-3 years (including 3 years), with annual interest rate of 4.75%;

4.3-5 years (including 5 years) with an annual interest rate of 4.75%;

5, 5-30 years (including 30 years), annual interest rate: 4.90%.

The conditions for applying for commercial housing loans must meet the following four requirements:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan.