As of 20 19, 12:

The loan interest rate is 5.60% within one year (including 1 year), 6.00% for one to five years (including five years) and 6. 15% for more than five years.

If individuals apply for provident fund loans, the interest rate of provident fund loans will be different from before. Because the interest rate of provident fund loans has also dropped.

The interest rate of the provident fund first home loan is: 4.25% for housing provident fund loans for more than five years and 3.75% for housing provident fund loans for less than five years.

Extended data:

Interest rate characteristics

The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate. 2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate.

Commercial banks will implement the new interest rate: from 20 13 10, so that mortgage borrowers can reduce the pressure. But each commercial bank can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.