Because the first suite is in supply, the house has been mortgaged to the bank and it is impossible to carry out two mortgage; If the first loan is settled, the mortgage loan can be made, and then the loan amount and interest rate of the second loan will be affected. How much depends on the specific situation, and the situation of different properties will be different.

The down payment for the purchase of a second house is 70% in the case of an outstanding housing loan. If the loan is settled and the down payment is 50%, the interest rate of the second home loan will change. For the second home loan, after this adjustment, the interest rates of different banks will be different. Among them, Bank of China and Bank of Communications introduced that the loan interest rate should not be lower than 1. 1 times of the benchmark interest rate for those who meet the second home loan standard. The minimum interest rate for second-home loans of CCB and ABC is benchmark interest rate floating 15%.