In China, the interest rate of the first home loan varies with the city, bank and loan policy. The following is an overview of the interest rates of first home loans in major cities in China in 2022, but please note that these interest rates may change with policy adjustments and market changes.

1. Beijing: The interest rate of the first home loan is generally 5.39% when the benchmark interest rate (4.9%) rises 10%.

2. Shanghai: The interest rate of the first home loan is generally 5% higher than the benchmark interest rate, that is, 5. 145%.

3. Guangzhou: The interest rate of the first home loan is generally 5.39% when the benchmark interest rate rises 10%.

4. Shenzhen: The interest rate of the first home loan is generally 5.39% when the benchmark interest rate rises 10%.

5. Hangzhou: The interest rate of the first home loan is generally 5.39% when the benchmark interest rate rises 10%.

It should be noted that the above data are for reference only, and the specific interest rate may vary due to factors such as bank qualifications and loan applicants. It is recommended to consult the local bank when applying for a loan to obtain the latest mortgage interest rate information. At the same time, the mortgage interest rates of different banks may be different. It is recommended to make more comparisons when buying a house and choose the loan scheme that suits you best.