The loan interest rate for the second home in Huizhou is: 2.75% (benchmark) for less than five years, and 3.25% (benchmark) for more than five years. The loan interest rate is 1.1 times of the benchmark interest rate for housing provident fund loans; If the building area is more than 144 square meters, the loan interest rate is 1.15 times of the benchmark interest rate of housing provident fund loans.