The benchmark interest rate in China was last recorded at 3 percent. This dataset provides the latest reported value for - China Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Lending Rate in China remained unchanged at 4.35 percent in October from 4.35 percent in September of 2022. This dataset provides - China Prime Lending Rate- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Key information about China Bank Lending Rate

• China Bank Lending Rate was reported at 3.100 % pa in Mar 2025.
• This stayed constant from the previous number of 3.100 % pa for Mar 2025.
• China Bank Lending Rate data is updated daily, averaging 3.700 % pa from Aug 2019 to 19 Mar 2025, with 2039 observations.
• The data reached an all-time high of 4.250 % pa in 19 Sep 2019 and a record low of 3.100 % pa in 19 Mar 2025.
• China Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Daily.

China Lending Rate: Weighted Average: Individual Housing Loan data was reported at 3.090 % pa in Dec 2024. This records a decrease from the previous number of 3.310 % pa for Sep 2024. China Lending Rate: Weighted Average: Individual Housing Loan data is updated quarterly, averaging 5.395 % pa from Mar 2009 (Median) to Dec 2024, with 64 observations. The data reached an all-time high of 7.620 % pa in Dec 2011 and a record low of 3.090 % pa in Dec 2024. China Lending Rate: Weighted Average: Individual Housing Loan data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Rediscount and Lending Rate.

In 2024, the lending rate in China was **** percent. The lending rates described the interest rate borrowers have to pay. In China, the interest on borrowings had been decreasing since 2010. At that time, the lending rate was *** percent.

As of mid-November 2020, the average interest rate for a personal housing loan in Chengdu was 5.93 percent which was the highest interest rate in the country. Compared to that, the lowest interest rate was in Shanghai with 4.69 percent. On a national average, the interest rate was 5.24 percent for purchasing a first house and 5.54 for purchasing a second one.

Lower Limit of First Home Mortgage Rate: above LPR: Beijing data was reported at -0.450 % Point in 17 May 2025. This stayed constant from the previous number of -0.450 % Point for 16 May 2025. Lower Limit of First Home Mortgage Rate: above LPR: Beijing data is updated daily, averaging 0.550 % Point from Oct 2019 (Median) to 17 May 2025, with 2049 observations. The data reached an all-time high of 0.550 % Point in 25 Jun 2024 and a record low of -0.450 % Point in 17 May 2025. Lower Limit of First Home Mortgage Rate: above LPR: Beijing data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Lower Limit of First Home Mortgage Rate: Prefecture Level City. After adjustment on December 15, 2023: the lower limits of the first and second sets of interest rate policies in the six districts of the city are respectively no less than the market quoted interest rate for loans of the corresponding period plus 10 basis points, and no less than the market quoted interest rate for loans of the corresponding period plus 60 basis points; The lower limits of the first and second sets of interest rate policies in the six non-urban districts are not lower than the market quoted interest rate for loans of the corresponding period, and not lower than the market quoted interest rate for loans of the corresponding period plus 55 basis points.

As of mid-November 2020, the average interest rate for a personal housing loan in Shanghai was **** percent which was the lowest rate in the country. Compared to that, the highest interest rate was in Chengdu with **** percent. On a national average, the interest rate was **** percent for purchasing a first house and **** for purchasing a second one.

China Lending Rate: Weighted Average data was reported at 3.280 % pa in Dec 2024. This records a decrease from the previous number of 3.670 % pa for Sep 2024. China Lending Rate: Weighted Average data is updated quarterly, averaging 5.560 % pa from Dec 2008 (Median) to Dec 2024, with 65 observations. The data reached an all-time high of 8.060 % pa in Sep 2011 and a record low of 3.280 % pa in Dec 2024. China Lending Rate: Weighted Average data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Rediscount and Lending Rate.

Bank Lending Rate in China remained unchanged at 4.35 percent on Friday July 4. This dataset provides - China Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Mortgage interest rates worldwide varied greatly in 2024, from less than **** percent in many European countries, to as high as ** percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increase in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2023, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

The China Mortgage/Loan Brokers Market report segments the industry into By Type Of Mortgage Loan (Conventional Mortgage Loan, Jumbo Loans, Government-Insured Mortgage Loans, Other Type Of Mortgage Loans), By Mortgage Loan Terms (30- Years Mortgage, 20-Year Mortgage, 15-Year Mortgage, Other Mortgage Loan Terms), By Interest Rate (Fixed-Rate, Adjustable-Rate), and By Provider (Primary Mortgage Lender, Secondary Mortgage Lender).

In the third quarter of 2023, the value of real estate housing mortgages in China was over ** trillion yuan. Within two years, the value had increased by around *** trillion yuan. Despite being aware of the risks entailed in an inflated market, Chinese policymakers found it difficult to reign in the real estate market. The industry made up a large share of China's economy.

In April 2025, the weighted average interest rate of interbank lending in China was **** percent. Banks not only lend out money to individuals and to business but also to one another. It allows them to stock surplus liquidity or to cover a short-term lack of liquidity.

The China home mortgage finance market, while experiencing a period of adjustment following recent regulatory changes, presents a compelling long-term investment opportunity. The market's size in 2025 is estimated at $4 trillion USD, reflecting a significant contribution from a large and growing population, ongoing urbanization, and government initiatives aimed at affordable housing. The historical period (2019-2024) likely saw robust growth, though fluctuating due to factors such as macroeconomic conditions and policy shifts. While precise figures for this period are unavailable, industry analysis suggests a CAGR in the high single digits to low double digits, considering the sustained growth in the overall real estate sector before the recent regulatory tightening. The forecast period (2025-2033) anticipates a more moderate, yet still positive, CAGR, influenced by government efforts to curb excessive speculation and promote sustainable growth in the housing market. This moderation reflects a shift towards a more balanced and controlled expansion of the mortgage finance sector. Despite recent regulatory interventions aimed at managing risk within the financial system, the underlying demand for housing in China remains substantial. Continued urbanization, a growing middle class seeking improved living standards, and government policies supporting affordable housing will contribute to the market's long-term resilience. The focus is now shifting towards a more sustainable model of growth, prioritizing responsible lending practices and minimizing systemic risks. This necessitates adaptation within the mortgage finance sector, leading to innovative lending models, enhanced risk management strategies, and increased technological adoption. The market’s future will depend on successfully navigating these challenges while continuing to meet the housing needs of a large and dynamic population. Recent developments include: October 2022: HSBC expands China's private banking network and launches in two new cities., September 2022: China Construction Bank Corp., one of the country's four largest state-owned lenders, will set up a 30-billion-yuan (USD 4.2 billion) fund to buy properties from developers. The move comes even as policymakers take steps to contain a real estate crisis weighing on the economy.. Notable trends are: Favorable Mortgage Rates is Expected to Drive the Market.

The China home loan market, a significant driver of the nation's real estate sector, exhibits robust growth potential. With a market size exceeding [Estimate based on available data – e.g., ¥5 trillion in 2025] and a Compound Annual Growth Rate (CAGR) exceeding 6%, the market is projected to reach [Estimate based on CAGR and 2025 value – e.g., ¥7.5 trillion] by 2033. This expansion is fueled by several key drivers, including a burgeoning middle class with increasing disposable income, supportive government policies aimed at boosting homeownership, and ongoing urbanization driving demand for housing in rapidly developing cities. Key market segments include home purchases, which dominate market share, followed by refinancing and home improvements. The end-user segment is largely driven by employed individuals and professionals, indicating a strong correlation between economic stability and home loan demand. Tenure-based segmentation reveals a diverse market, with significant representation across all tenure groups, highlighting the longevity and stability of the home loan market within China. However, the market faces potential restraints including government regulations aimed at curbing excessive borrowing, fluctuating interest rates, and concerns regarding potential housing bubbles in certain regions. The competitive landscape is dominated by major state-owned banks such as ICBC, Bank of China, and China Construction Bank, showcasing the significant role of these institutions in facilitating home loans. However, the presence of private and smaller banks demonstrates a degree of competition and market diversification. Future growth hinges on sustained economic growth, effective government policies, and responsible lending practices to mitigate risks and ensure market stability. Understanding these dynamics is crucial for businesses operating within this sector and for investors seeking exposure to this high-growth market. Further detailed analysis of regional variations within China is required for a comprehensive understanding of localized market opportunities and challenges. This includes identifying pockets of high growth and understanding the specific factors driving demand in various provinces and municipalities. Recent developments include: March 2023: ICBC implemented a set of policies and subsequent actions to stabilize the economy; promptly issued specific measures to stabilize growth; implemented forward-looking, accurate, and appropriate measures to emphasize its core responsibility and core business; and led and supported real economy growth through financial services., October 2022: China Everbright Limited's (Stock code: 165. HK) CEL-Catalyst China-Israel Fund is pleased to announce that its portfolio company SatixFy successfully listed on NYSE American on 28th October 2022 with the symbol 'SATX', via a merger with Endurance Acquisition Corp. (NASDAQ: EDNC), a publicly traded special purpose acquisition company, or SPAC.. Key drivers for this market are: Real Estate Market Trends, Government Policies. Potential restraints include: Real Estate Market Trends, Government Policies. Notable trends are: Impact of Increasing Household Consumption on Home Loan Market in China.

China Nominal Lending Rate: Over 5 Year data was reported at 4.900 % pa in May 2019. This stayed constant from the previous number of 4.900 % pa for Apr 2019. China Nominal Lending Rate: Over 5 Year data is updated monthly, averaging 6.550 % pa from Sep 1988 (Median) to May 2019, with 369 observations. The data reached an all-time high of 19.260 % pa in Feb 1990 and a record low of 4.900 % pa in May 2019. China Nominal Lending Rate: Over 5 Year data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under Global Database’s China – Table CN.MA: Rediscount and Lending Rate.

Lending interest rate (%) in China was reported at 4.35 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. China - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

The value of mortgages in China increased by ** percent in 2021. This was significantly lower than in 2018 when housing loans increased by ** percent. The overall mortgage balance in China amounted to ** trillion yuan.

In 2024, the total value of personal housing loans in China dropped by *** percent compared to the previous year, reflecting a significant decline in the demand of the country's real estate market. The absolute value amounted to ************** yuan. On the background of inflating real estate loans, the Chinese government introduced a limit on the share of housing loans which commercial banks can hold on their balance sheets.