1, and the interest rate of the second-home provident fund loan is 1. 1 multiple of the benchmark interest rate of the first-home;

2. Interest rate of provident fund loan: the interest rate of provident fund loan for first-home housing is 2.75% for less than five years (including five years) and 3.25% for more than five years;

3. The interest rate of the second-home housing provident fund loan is 3.025% for five years and below, and 3.575% for five years and above. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans;

4. Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by local housing provident fund management centers, using the housing provident fund paid by employees who apply for provident fund loans, and entrusting commercial banks to the housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who paid the housing provident fund during their employment. In accordance with the provisions that the housing provident fund has been paid for a certain period of time or more, employees can apply for provident fund loans when the funds for purchasing, renovating or overhauling their own houses are insufficient.