Updated March 2026
Mortgage Interest Rate in China (2026)
4.00%
Ranked #18 of 168 • Global avg 9.99%
The average mortgage interest rate in China is currently 4.00%, below the global average of 9.99% across the 30 economies tracked by NoodlePants.
Among the 30 economies tracked by NoodlePants, China ranks #18 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
#1Afghanistan
0.00%
#2Cuba
0.00%
#3Iran
0.00%
#4North Korea
0.00%
#5South Sudan
0.00%
#6Syria
0.00%
#7Yemen
0.00%
#8Japan
1.40%
#9Taiwan
2.20%
#10Switzerland
2.30%
#11Bulgaria
3.00%
#12Croatia
3.60%
Compare China's mortgage rate
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