the ranking is based on data from 675 banks in 41 major cities
Supplementary notes
The average interest rate refers to the rate for the purchase of the first house. For the purchase of a second house the average interest rate is slightly higher.
Citation formats
Cities with highest housing loan interest rates in China 2020
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.
Profit from the additional features of your individual account
Currently, you are using a shared account. To use individual functions (e.g., mark statistics as favourites, set
statistic alerts) please log in with your personal account.
If you are an admin, please authenticate by logging in again.
Learn more about how ÌÇÐÄÆƽâ°æ can support your business.
Sohu. (November 18, 2020). Cities with the highest average interest rates for personal housing loans in China as of November 18, 2020 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 29, 2026, from /statistics/1218246/china-cities-with-highest-housing-loan-interest-rates/
Sohu. "Cities with the highest average interest rates for personal housing loans in China as of November 18, 2020." Chart. November 18, 2020. ÌÇÐÄÆƽâ°æ. Accessed July 29, 2026. /statistics/1218246/china-cities-with-highest-housing-loan-interest-rates/
Sohu. (2020). Cities with the highest average interest rates for personal housing loans in China as of November 18, 2020. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 29, 2026. /statistics/1218246/china-cities-with-highest-housing-loan-interest-rates/
Sohu. "Cities with The Highest Average Interest Rates for Personal Housing Loans in China as of November 18, 2020." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 18 Nov 2020, /statistics/1218246/china-cities-with-highest-housing-loan-interest-rates/
Sohu, Cities with the highest average interest rates for personal housing loans in China as of November 18, 2020 ÌÇÐÄÆƽâ°æ, /statistics/1218246/china-cities-with-highest-housing-loan-interest-rates/ (last visited July 29, 2026)
Cities with the highest average interest rates for personal housing loans in China as of November 18, 2020 [Graph], Sohu, November 18, 2020. [Online]. Available: /statistics/1218246/china-cities-with-highest-housing-loan-interest-rates/
