Hello, I am also in Harbin. Second-hand housing loans can be divided into commercial loans and mortgage loans. If you are buying a house, you cannot use a mortgage loan but a mortgage loan. The other one is a provident fund loan. Provident fund loans in Harbin can only be obtained from China Construction Bank. If you have a provident fund and have reached a certain deposit limit (usually more than 100 yuan per month and have paid continuously for more than 12 months), it is recommended that you use a provident fund loan. The interest rate is now 3.87%. After a 30% discount on mortgage loans, it still costs 4.158%. Moreover, the interest rate of mortgage loans is often adjusted to a greater extent than that of provident fund loans.