The condition is that the first set of individual ordinary housing has enjoyed a 15% discount on the loan interest rate, and there is no bad credit record during the repayment period (not repaying on time for two consecutive months).
Provident fund loans cannot enjoy this discount.
A 30% discount means a 30% discount on the benchmark interest rate.
Another condition is to meet the requirements of local banks, because now it seems that the requirements of banks in each region are different!
Some have restrictions on the loan amount and housing area, and some will also require handling fees, handle credit cards and wealth management products, and limit early repayment of loans.
But good regions and banks will even drop you automatically.
For example, ICBC recently stipulated that as long as it meets the 15% discount and credit granting regulations, it will be automatically adjusted, and there are no other terms.
So it's better to call for advice or ask yourself.