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.

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 3.100 % 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.

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.

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.

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.

Bank Lending Rate in China remained unchanged at 4.35 percent on Monday October 20. This dataset provides - China Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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.

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.

Mortgage interest rates worldwide varied greatly in June 2025, 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 increases 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 2024, 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.

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 October of 2025.

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).

1 Year MLF Rate in China remained unchanged at 2 percent in January. This dataset includes a chart with historical data for China One-Year Medium-Term Lending Facility Rate.

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

• Hong Kong SAR (China) Bank Lending Rate was reported at 5.250 % pa in Mar 2025.
• This stayed constant from the previous number of 5.250 % pa for Mar 2025.
• Hong Kong SAR (China) Bank Lending Rate data is updated daily, averaging 5.000 % pa from Jan 1981 to 26 Mar 2025, with 16156 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 22 Sep 2022.
• 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.

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.

Lower Limit of First Home Mortgage Rate: above LPR: Shanghai data was reported at -0.450 % Point in 26 Nov 2024. This stayed constant from the previous number of -0.450 % Point for 25 Nov 2024. Lower Limit of First Home Mortgage Rate: above LPR: Shanghai data is updated daily, averaging 0.000 % Point from Oct 2019 (Median) to 26 Nov 2024, with 1877 observations. The data reached an all-time high of 0.350 % Point in 14 Dec 2023 and a record low of -0.450 % Point in 26 Nov 2024. Lower Limit of First Home Mortgage Rate: above LPR: Shanghai 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.

Lower Limit of First Home Mortgage Rate: above LPR: Jiangxi: Fuzhou data was reported at -0.200 % Point in 26 May 2024. This stayed constant from the previous number of -0.200 % Point for 25 May 2024. Lower Limit of First Home Mortgage Rate: above LPR: Jiangxi: Fuzhou data is updated daily, averaging 0.000 % Point from Oct 2019 (Median) to 26 May 2024, with 1693 observations. The data reached an all-time high of 0.000 % Point in 18 May 2022 and a record low of -0.200 % Point in 26 May 2024. Lower Limit of First Home Mortgage Rate: above LPR: Jiangxi: Fuzhou 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.

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.