China Mortgage Rates: Historical and Current Averages
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Quarterly average mortgage interest rates
| Q1 | Q2 | Q3 | Q4 | |
| 2025 | 3.13% | 3.06% | 3.06% | 3.06% |
| 2024 | 3.69% | 3.45% | 3.31% | 3.09% |
| 2023 | 4.14% | 4.11% | 4.02% | 3.97% |
| 2022 | 5.49% | 4.62% | 4.34% | 4.26% |
| 2021 | 5.37% | 5.42% | 5.54% | 5.63% |
| 2020 | 5.60% | 5.42% | 5.36% | 5.34% |
| 2019 | 5.68% | 5.53% | 5.55% | 5.62% |
| 2018 | 5.42% | 5.60% | 5.72% | 5.75% |
| 2017 | 4.55% | 4.69% | 5.01% | 5.26% |
| 2016 | 4.63% | 4.55% | 4.52% | 4.52% |
| 2015 | 6.01% | 5.53% | 5.02% | 4.70% |
| 2014 | 6.70% | 6.93% | 6.96% | 6.25% |
| 2013 | 6.27% | 6.29% | 6.39% | 6.53% |
| 2012 | 7.43% | 6.68% | 6.20% | 6.22% |
| 2011 | 6.17% | 6.83% | 7.36% | 7.62% |
| 2010 | 4.63% | 4.95% | 5.03% | 5.34% |
| 2009 | 4.45% | 4.34% | 4.38% | 4.42% |
| 2008 | 4.38% |
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This table shows the average mortgage interest rates during a single quarter.
