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China's April Mortgage Loan Rate Stays at 3.1%, Down 6 Basis Points Year-over-Year

GateNews

2026-05-14 13:14:00

According to latest data from China’s central bank released on May 14, the weighted average interest rate on newly issued personal housing loans (in RMB and foreign currency combined) was approximately 3.1% in April, down about 6 basis points compared to the same period last year. Over the same period, the weighted average rate on new enterprise loans reached 3.1%, declining approximately 20 basis points year-over-year. The data reflects the central bank’s continued efforts to maintain low overall social financing costs through improved monetary policy transmission mechanisms.

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