According to the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission on Relevant Issues Concerning Standardizing the Housing Provident Fund Individual Housing Loan Policy (Jian Jin [20 10] 179), the interest rate of the second housing provident fund loan shall not be lower than 1. 1 times the interest rate of the first housing provident fund individual housing loan in the same period.
Second-hand housing loan repayment method
1. Equal principal and interest: within the loan term, the loan principal and interest shall be repaid in equal amount every month.
2. Average capital: the monthly repayment principal remains unchanged during the loan term, and the interest is calculated according to the remaining principal of the previous month.
3. Equal principal and interest by installment: repay the loan interest monthly within the grace period (up to 3 years), and repay the loan principal and interest by equal principal and interest repayment after the grace period.
4. Staged average capital: repay the loan interest on a monthly basis within the grace period of the loan (up to 3 years), and repay the loan principal and interest according to the repayment method of average capital after the grace period.
5. One-time repayment of principal and interest: one-time repayment of loan principal and interest at maturity (limited to loans within one year).
Refer to the above? Baidu encyclopedia-second-hand housing loan
Refer to the above? Hainan Provincial Housing Provident Fund Administration-Interpretation of "Notice on Adjusting Relevant Policies of Housing Provident Fund Personal Housing Loan"