1. The interest rate of the first home loan of China Construction Bank before 20 1 1654381October 22nd is the benchmark interest rate, with an annual interest rate of 6.55%. After 20 14,165438+10.22, the benchmark mortgage interest rate is 6. 15%.

Second, the commercial housing loan interest rate refers to the loan interest rate of housing loans, and its calculation formula is loan interest = loan amount * loan interest rate * loan term = loan amount * days * daily interest rate = loan amount * months * monthly interest rate = loan amount * year * annual interest rate.