Legal analysis: the interest rate of second-home mortgage should be 1. 1 times the benchmark interest rate. The benchmark interest rate for commercial loans is 6.55%( 10 year), and the benchmark interest rate for provident fund loans is 4.5%.

Legal basis: The Notice on Promoting the Stable and Healthy Development of the Real Estate Market clarifies that the down payment ratio of loans should not be less than 40% for families (including borrowers, spouses and minor children) who have used loans to purchase houses and applied for the purchase of second or more houses, and the loan interest rate should be set strictly according to the risks.