The interest rate of real estate mortgage loan fluctuates on the benchmark interest rate of central bank loan, and the benchmark interest rate is as follows:

1. The annual interest rate of loans within one year (inclusive) is 4.35%.

2. For loans from one year to five years (inclusive), the annual interest rate is 4.75%.

3. For loans with a term of more than five years, the annual interest rate is 4.90%. Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.