According to the inquiry of Xi 'an Aberdeen, in February 2022, Xi 'an's mortgage interest rate was 4.75% for commercial loans within five years and 4.9% for commercial loans over five years. Xi 'an provident fund loan interest rate is below 2.6% for five years (inclusive) and above 3. 1% for five years.

In 2022, the People's Bank of China announced that the interest rate of the first home commercial loan would be lowered by 20 basis points, which was limited to first-time buyers.