利率由中央銀行設定房貸成數，通常與銀行的準備金率理財型房貸缺點掛鉤。 https://abc83.webnode.tw/news/%e5%88%a9%e7%8e%87%e7%94%b1%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e8%a8%ad%e5%ae%9a%e6%88%bf%e8%b2%b8%e6%88%90%e6%95%b8%ef%bc%8c%e9%80%9a%e5%b8%b8%e8%88%87%e9%8a%80%e8%a1%8c%e7%9a%84%e6%ba%96%e5%82%99%e9%87%91%e7%8e%87%e7%90%86%e8%b2%a1/