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.

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.

View monthly updates and historical trends for China Loan Prime Rate. Source: The People's Bank of China. Track economic data with YCharts analytics.

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 3.000 % pa in Dec 2025.
• This stayed constant from the previous number of 3.000 % pa for Dec 2025.
• China Bank Lending Rate data is updated daily, averaging 3.650 % pa from Aug 2019 to 19 Dec 2025, with 2314 observations.
• The data reached an all-time high of 4.250 % pa in 19 Sep 2019 and a record low of 3.000 % pa in 19 Dec 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 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.

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

Bank Lending Rate in China remained unchanged at 4.35 percent on Tuesday December 2. This dataset provides - China Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Lower Limit of First Home Mortgage Rate: above LPR: Beijing data was reported at -0.450 % Point in 02 Dec 2025. This stayed constant from the previous number of -0.450 % Point for 01 Dec 2025. Lower Limit of First Home Mortgage Rate: above LPR: Beijing data is updated daily, averaging 0.550 % Point from Oct 2019 (Median) to 02 Dec 2025, with 2248 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 02 Dec 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.

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 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.

In 2024, the value of personal housing loans in China amounted to ************** yuan, representing a slight drop of *** percent compared to the previous year. The overall value of outstanding mortgages more than doubled between 2016 and 2021 before it plateaued afterwards. A key factor to the growth of the real estate market China's personal housing loan market emerged in the 1990s in tandem with the marketization of the country's real estate sector. Its subsequent expansion also mirrored the growth in the property industry. Thanks to the dramatic rise in home prices across China since the early 2000s, substantial capital has poured into the market through real estate development loans and personal housing credits. For almost two decades, many Chinese middle class citizens accumulated their personal wealth through the considerable appreciation of their properties, which they financed with the help of mortgages. Risks The persistently high level of outstanding personal mortgage is becoming increasingly concerning amidst China’s current economic and market situation. With the country’s economic slowdown and the oversupply in the property sector, the housing market is losing steam, resulting in elevated risks of bad debts to financial institutions. At the same time, the household debt in China is now staying above ** percent of the country’s GDP, undermining the ability to consume and invest in the Chinese population.

Discover the booming China home mortgage finance market! Our in-depth analysis reveals key trends, growth projections (2025-2033), and regional insights. Learn about regulatory impacts and future market opportunities. 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.

Actual value and historical data chart for China Lending Interest Rate Percent

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.

In June 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.

In 2023, the total value of personal housing loans in Shanghai exceeded **** trillion yuan, representing a decrease from the previous year. With the city’s housing market being incredibly competitive in the past two decades, the total value of mortgage loans in the city has increased by more than ** times since the turn of the century. A competitive housing market As the economic capital of China, Shanghai has long been attractive to talents throughout the country, resulting in strong growth in its population. Since the housing reform in the 1990s, the price of homes in Shanghai has risen continuously, with housing in the city’s center becoming one of the most expensive in the world. High mortgage rates The increase in prices fueled intense speculations in the city’s housing market, with many residents resorting to mortgages to get on the housing ladder. Although the average mortgage rate in Shanghai is one of the lowest in China, it is still far higher than that in most other major economies. The consistent rise of the total mortgage value in Shanghai can potentially harm the financial security of the country and the region.

The China Home Mortgage Finance Market Report is Segmented by Loan Purpose (Purchase, Home Improvement/Renovation, Loan Against Property, Others), Provider (Banks, Housing Finance Companies, Others), Interest Rates (Fixed, Floating), and Loan Tenure (≤10 Years, 11-20 Years, More Than 20 Years). The Market Forecasts are Provided in Terms of Value (USD).

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.

Key information about Hong Kong SAR (China) Bank Lending Rate

• Hong Kong SAR (China) Bank Lending Rate was reported at 5.000 % pa in Dec 2025.
• This stayed constant from the previous number of 5.000 % pa for Dec 2025.
• Hong Kong SAR (China) Bank Lending Rate data is updated daily, averaging 5.000 % pa from Jan 1981 to 02 Dec 2025, with 16407 observations.
• The data reached an all-time high of 5.875 % pa in 19 Sep 2024 and a record low of 5.000 % pa in 02 Dec 2025.
• Hong Kong SAR (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.