When the gate of second home loans was tightened again by regulators, 40% down payment and 1.1 times interest rate have become a reality that many home buyers have to face. According to the information provided by Yinhua Network, even if we do not consider the additional one tenth down payment, the gap in loan interest rates alone has made second home loans unbearable. For example, if you borrow 1 million yuan, repayment period is 30 years. If the house belongs to the first set, using the equal principal and interest repayment method, the monthly payment is 6423.62 yuan, total interest payments are 2312503.46 yuan. However, if the house belongs to the second set, using the equal principal and interest repayment method, the monthly payment is 7769.3 yuan, total interest payments are 2796970.01 yuan.