1, loan interest rate. The loan interest rate of the second home loan is much higher than that of the first home loan. The interest rate of the second set of housing provident fund loans is 65,438+00% higher than that of the first set of housing provident fund loans. The loan interest rate of other commercial loans is subject to bank regulations, but it is relatively high on the whole.

2. Loan amount. The loan amount of the second home loan is much lower than that of the first home loan. For example, in Beijing, first-home borrowers can borrow 70%, but second-home borrowers can only borrow 30%. The specific loan amount shall be subject to the regional regulations.

3. Difficulties in obtaining loans. Of course, the second set of housing loans is much more difficult than the first set of housing loans, especially when funds are tight, it is often difficult to apply for a second set of housing loans.

4. Deed tax ratio. The first suite housing area within 90_ is levied at 1%, the area within 90 _- 144_ (different places) is levied at 1.5% (calculated at the local tax rate of 3%), and the area above 144_ is levied at 3% (.