The interest rate of the second home loan in Jinan is generally 10% to 30%, which is divided into provident fund loans and commercial loans. The interest rate of the second home loan for provident fund loans will be lower than that for commercial loans in the same period.

According to Jinan's purchase restriction policy, buying a house in Jinan is not the first suite, but the second suite in Jinan. Whether it is a commercial loan or a housing provident fund loan, it is stipulated that the down payment ratio of the loan should not be lower than 60% and the loan interest rate should not be lower than 1. 1 times of the benchmark interest rate (the housing provident fund loan should not be lower than 1. 1 times of the individual housing loan interest rate of the first housing provident fund in the same period).

Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.