Legal analysis: the longest loan period of second-hand housing provident fund is 20 years. Loan interest rate: the current housing provident fund loan term is 1-5 years, with an annual interest rate of 2.75%, and the loan term is 6-30 years, with an annual interest rate of 3.25%; The interest rate of applying for provident fund loan for purchasing a second house is 1. 1 times of the interest rate of provident fund loan for the same period. If the interest rate is adjusted by the state during the loan period, the interest rate will not be adjusted in the year when the provident fund loan has been issued, and the specific adjustment time is 1 month 1 next year.

Legal basis: Article 388 of the Civil Code of People's Republic of China (PRC) establishes a security interest, and a security contract shall be concluded in accordance with this law and other laws. Guarantee contracts include mortgage contracts, pledge contracts and other contracts with guarantee functions. The guarantee contract is a subsidiary contract of the main creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law.