4.75%。 According to the query of Nanjing Municipal People's Government website. In 219, Nanjing housing loan was a medium-and long-term loan, and the loan interest rate was 4.75%. Therefore, the mortgage interest rate in Nanjing in 219 was 4.75%. The mortgage interest rate refers to the loan with real estate in the bank, which pays interest at the interest rate stipulated by the bank.