Legal analysis: Xi 'an's second-hand housing loan policies are as follows:-loan term: 20 years+longest loan term: 20 years+longest loan term: 60 years loan type: floating loan interest rate: 5 to 30 years (including 30 years) for the first suite: 3.25% for the second suite: 5 to 30 years (including 30 years): 3.575%. 3 to 5 years (including 5 years) Second set: 3.025% First set 2 to 3 years (including 3 years): 2.75% Second set 2 to 3 years (including 3 years): 3.025% First set 1 to 2 years (including 2 years): 2.75% Second set 65438. (2) Having a stable occupational and economic income and being able to repay the loan principal and interest on time; (3) Units and individuals can pay the housing provident fund in full and on time (generally, it is required to pay it normally for more than one year or the unit has established the housing provident fund system for more than two years); (4) Purchase all the owner-occupied houses with property rights and have paid a down payment of not less than the specified proportion; (5) Agree to use the purchased real estate or securities recognized by the entrusted bank as loan collateral or a unit with sufficient compensation capacity as guarantor; (six) with real estate mortgage, shall comply with the relevant provisions of the real estate mortgage management.

Legal basis: Article 13 of the Xi Regulations on the Management of Housing Provident Fund, units and individual employees on the job shall pay the housing provident fund in accordance with the regulations. Employers who recruit migrant workers can deposit housing provident fund; Urban individual industrial and commercial households with industrial and commercial registration and freelancers with professional qualifications may apply for housing provident fund deposit.