1. At present, the housing interest rate in Hangzhou mainly fluctuates based on the benchmark interest rate of the central bank, and the specific interest rate is subject to the loan contract.

2. The benchmark interest rate of the central bank is as follows:

3. If the loan term is within one year (including one year), the loan interest rate is 4.35%;

4. If the loan term is from one year to five years (inclusive), the loan interest rate is 4.75%;

5. The loan interest rate for loans with a term of more than five years is 4.9%;

6. If the applicant uses the housing provident fund when applying for mortgage loan, the benchmark interest rate of the loan shall be implemented according to the following standards:

7. If the loan term is less than five years (including five years), the loan interest rate is 3.25%;

8. The loan interest rate for loans with a term of more than five years is 4.9%.

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