Yes, state-regulated loan interest rates apply to any form of home loan. The state formulates corresponding loan interest rate policies based on factors such as economic development and financial markets, including the regulation of housing loan interest rates. This means that whether it is a first-hand home loan or a second-hand home loan, a fixed-rate loan or a floating-rate loan provided by a commercial bank, it needs to follow the national loan interest rate policy. Please note that specific loan interest rates and policy details may be adjusted over time and as national policies change.