Legal analysis: the benchmark interest rate for the second set of self-occupied housing is 1. 1 times. How to identify the second set of self-occupied housing: Among them, "the second set of self-occupied housing purchased by the employee family" refers to the self-occupied housing purchased by the employee family under the following three circumstances and is identified as the second set of housing. It should be reminded that the adjusted policy will be implemented from May, 2020 10, subject to the filing time of commercial housing sales contracts provided when applying for housing provident fund loans.

Legal basis: "Regulations on the Management of Housing Provident Fund" Article 1 The monthly contribution of employees' housing provident fund is the average monthly salary of employees in the previous year multiplied by the contribution ratio of employees' housing provident fund, and the contribution base and maximum and minimum contributions of employees' housing provident fund are adjusted once a year. This adjustment is a routine adjustment.