According to a letter from official website, the interest rate of Hengyang mortgage 202 1 is 4.35%, and the interest rate of the first individual housing provident fund loan is lowered by 0. 15 percentage point, and the interest rates for less than 5 years (including 5 years) and more than 5 years. Hengyang governs 5 districts, 5 counties and 2 county-level cities, with a total area of 153 10 square kilometers.