The interest rates of first-hand and second-hand housing loans are the same, and the interest rates of provident fund and commercial loans are as follows:

commercial loan interest rate

First loan: 4.9%, most banks can get a 15% discount;

Secondary loan: 5.39% (benchmark interest rate rises10%);

Three loans: all banks do not approve loans.

Provident fund loan interest rate

First loan: 3.25%

Second loan: 3.575%

Three loans: unable to handle.

Remarks: The maximum loan for the first-hand housing provident fund is 600,000 yuan, and the maximum loan for the second-hand housing provident fund is 350,000 yuan.

Noun interpretation

1. First loan: take the family as the unit (husband and wife and minor children), and there is no outstanding loan record in the name.

2. Second loan: take the family as the unit (husband and wife and minor children) and have a set of outstanding loan records under their names.

3. Three loans: take the family as the unit (husband and wife and minor children), and there are two sets of outstanding loan records in the name.