The interest rate of down payment mortgage in general banks can reach a minimum of 1% off the benchmark interest rate, and that of HSBC can reach a minimum of 8 .8% off. However, banks implement differentiated loan interest rates, and should comprehensively consider the borrower's income, solvency, credit and risk status for differentiated pricing. In addition, different cooperative buildings and different branches will also affect the final interest rate discount. Therefore, the lowest interest rate is also floating, and it is necessary to choose the right one according to the actual situation.

the latest loan interest rate table in p>215 is as follows: