1. Understand the policy provisions: First of all, you need to understand the local government's policy provisions on the interest of the second home loan. If the policy clearly stipulates the way to adjust the interest of the second home loan, then it needs to be operated according to the policy.
2. Contact the bank: If the policy does not clearly stipulate, you can contact the loan bank to understand the specific situation. Banks may adjust loan interest according to market conditions and internal policies, so it is necessary to communicate with banks and find out whether they have policies or plans to reduce interest.
3. Consider prepayment: If the interest cannot be reduced, you can consider prepayment. Early repayment can reduce the loan principal, thus reducing future interest expenses. However, it should be noted that early repayment may involve liquidated damages and other expenses, and it needs to be carefully evaluated whether it is cost-effective.
4. Consult a professional: If the above methods can't solve the problem, you can consult a professional real estate lawyer or financial consultant to get more professional advice and help.