1. Second-hand housing loans have different interest calculation methods due to different repayment methods.

2. If the borrower repays the loan with equal principal and interest, the monthly repayment interest amount is the repayable principal x loan interest rate divided by the number of loan periods. If the applicant repays the loan with the same principal, the monthly repayment interest is the principal payable in the current month x the loan interest rate.

3. The principal of second-hand housing loan accounts for 70% of the transaction price of second-hand housing at most and 30% of the transaction price of second-hand housing at least. The specific interest rate is subject to the interest rate agreed in the loan contract, and so is the number of loan periods.