The down payment ratio of the second suite in Liuzhou is as follows: (1) If the employee's family (including single, married, divorced and widowed, the same below) uses the housing provident fund loan for the first time to buy a first-hand house (including commercial housing, affordable housing, fund-raising housing, housing reform housing and self-built housing), the down payment ratio is at least 20%; When buying a second-hand house, the minimum down payment ratio is not less than 30%. After the settlement of the first housing provident fund loan, if the second housing provident fund loan is used to purchase housing, the down payment ratio of the loan shall not be less than 35%. (2) If the applicant applies for a housing provident fund loan for the first time, the loan interest rate shall be implemented according to the individual housing loan interest rate of the housing provident fund announced by the People's Bank of China for the same period; After the first housing provident fund loan is settled, the loan interest rate is 1. 1 times the interest rate of the first housing provident fund personal housing loan in the same period. (three) have purchased two or more sets of commercial housing in Liuzhou (excluding inheritance, gift, self-construction and other non-purchase methods), and purchased commercial housing in Liuzhou again; Or if you have already applied for housing provident fund loans twice, your application for housing provident fund loans will no longer be accepted. (4) If the first-hand commodity housing purchased by employees is hardcover housing, the house price and loan amount shall be calculated according to the price of rough housing. Interpretation: After the adjustment, the first, second and more housing loans will be treated differently. 2017165438+14 October, Liuzhou real estate market regulation work plan was adjusted; The down payment ratio of the first home loan is 20%, the second home loan is 30%, and the third home loan is full. This adjustment is also based on the above policy, insisting that "houses are used for living, not for speculation", so that provident fund loans can be better used for employees with housing needs.