The benchmark interest rate over five years is 5.9%, and the interest rate of the second mortgage of 20 15 real estate will be adjusted up and down according to the qualification of the applicant. It should be noted that the amount of the second mortgaged property will not be very high. Generally, the loan amount you borrow = house value * mortgage rate. Compare the principal balance of the original loan and the value of the house with the original purchase price of the house and the evaluation price at the time of the second mortgage. The secondary loan mortgage rate of housing mortgage shall not exceed 70%, and the secondary loan mortgage rate of commercial housing mortgage shall not exceed 50%.