Mortgage interest rates through personal housing provident fund
Shanghai Housing Provident Fund Center
| Duration of loan | First-home buyer | Second-home buyer |
| 1 - 5 years | 2.35% | 2.775% |
| 6 - 30 years | 2.85% | 3.325% |
*These interest rates are applied to personal housing provident fund loans issued after May 18, 2024.