Updated March 2026
Mortgage Interest Rate in China (2026)
4.00%
Ranked #11 of 161 • Global avg 10.43%
The average mortgage interest rate in China is currently 4.00%, below the global average of 10.43% across the 30 economies tracked by NoodlePants.
Among the 30 economies tracked by NoodlePants, China ranks #11 for mortgage rate — putting it mid-pack globally.
For buyers, a 4.00% rate means roughly $4,000 in interest per year on a $100,000 mortgage, before principal.
All financial metrics for China
Where China ranks globally
#1Japan
1.40%
#2Taiwan
2.20%
#3Switzerland
2.30%
#4Bulgaria
3.00%
#5Croatia
3.60%
#6Malta
3.60%
#7Spain
3.60%
#8Belgium
3.70%
#9Germany
3.90%
#10Slovenia
3.90%
#11China
4.00%
#12Finland
4.00%
Compare China's mortgage rate
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