In 2022, the interest rate of the first home loan in Shanwei was 4.35%. According to relevant information, in 2022, the term of the first home loan in Shanwei is within one year (including one year), and the interest rate is 4.35%. The loan term is one to five years (including five years) and the interest rate is 4.75%. The loan term is more than five years and the interest rate is 4.90%.