Commercial loans General commercial banks should increase by 65,438+00% on the basis of the benchmark interest rate of 6.55 announced by the People's Bank of China, that is, 7.265,438+0%. According to national regulations, the interest rate of second-home mortgage should be 1. 1 times the benchmark interest rate. The benchmark interest rate for commercial loans is 6.55%( 10 year), and the benchmark interest rate for provident fund loans is 4.5%.

The second-home lender applied for a loan to buy a house for the first time. For example, a second-suite family has registered a set (or multiple sets) of complete housing (including the registration of the second-suite pre-sale contract) in the second-suite registration information system at the place of purchase, which belongs to the second suite.

The second-home lender has used the loan to buy a set (or more) of housing, and if he applies for a second-home loan to buy housing, the bank recognizes it as a second-home.

Second-home lenders conduct investigations by inquiring about credit records, interviewing and face-to-face investigation. , and can consult neighbors when necessary to confirm that the second-home lender's family already owns a set (or more) of housing, and the bank recognizes it as a second home.