Legal analysis: according to the current credit policy, take the family as the unit. As long as it is in the household registration book, no matter who buys a house by mortgage, buying a house again is a second loan. The down payment is 60%, and the interest rate rises 1. 1 times. If you haven't bought a house before or have no loan, you can buy a house in the next time, with a down payment of 30% and a benchmark interest rate. The latter depends on whether there is any change in banking policy in the future.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds.

The housing provident fund management center shall not provide guarantees to others.

Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.

Article 30 The management fee of the housing provident fund management center shall be compiled by the housing provident fund management center in accordance with the prescribed standards, and after being approved by the financial department of the people's government at the same level, it shall be extracted from the value-added income of the housing provident fund and allocated by the finance at the same level.

The management fee standard of the housing provident fund management center shall be formulated by the construction administrative departments of the people's governments of provinces, autonomous regions and municipalities directly under the Central Government in conjunction with the financial departments at the same level in accordance with the charging standards of institutions slightly higher than those stipulated by the state.