You can apply for a second suite, and you can combine loans. 2065438+On March 30, 2005, the People's Bank of China, the Ministry of Housing and Urban-Rural Development, and the China Banking Regulatory Commission jointly issued the Notice on Issues Related to the Individual Housing Loan Policy, announcing that the minimum down payment ratio should be adjusted to not less than 40% for households who own/kloc-0 apartments and the corresponding housing loans are not settled. Previously, the second home loan implemented the policy of "the down payment ratio is not less than 60% and the loan interest rate is not less than 1. 1 times of the benchmark interest rate". In addition, from March 3 1 day, the period of exemption from business tax for individual housing transfer will be reduced from more than 5 years (including 5 years) to more than 2 years (including 2 years). Wish you a happy life! Hope to adopt! Thank you)