Legal analysis: 1, the standard of housing mortgage sets, the number of mortgage sets in the country is not more than two, and the provident fund can also be mortgaged, subject to the credit record;

2. In terms of interest rate, the benchmark interest rate is 4.9%, the first home loan can enjoy the annualized interest rate 10%-30%, and the second home loan interest rate is higher than the annualized interest rate 15%-45%.

Legal basis: Article 7 of the People's Republic of China (PRC) Urban Real Estate Management Law, the construction administrative department and the land management administrative department of the State Council shall, in accordance with the division of functions and powers stipulated by the State Council, perform their respective duties and cooperate closely to manage the real estate work throughout the country. The establishment of real estate management and land management departments of local people's governments at or above the county level and their functions and powers shall be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.