In China, most people need bank loan to buy a house. Due to economic disparity, the banks have different mortgage rates in different regions in China.

With the central bank cutting the five-year benchmark lending rate to 6.15 percent in November 2014, the rate has fallen in several cities. However, it is still more than 10 percent higher than the benchmark interest rate in some cities. Based on the data from askci.com, here are the top 10 cities with highest mortgage rate in China.

Zhengzhou, capital city of Central China's Henan province, with the average mortgage rate at 7.68 percent ranks at the top on the list.

No 10 Urumqi

Average mortgage rate: 6.85 percent

View of Urumqi, capital of Xinjiang Uygur autonomous region, May 16, 2003. [Photo/IC]