The down payment ratio for second homes will be raised from the current 60% to 70%, and the interest rate will also be raised from 1.1 times to 1.3 times. However, various banks stated that they have not received the notice so far, and the second home loan policy is still implemented in accordance with the "second home loan down payment of 60% and the interest rate policy of 1.1 times."

"Second house" is the abbreviation of the second ordinary self-owned house. It refers to the borrower's family (including the borrower, spouse and minor children) as a unit. The per capita housing area of ??the borrower's family is high. If the housing loan is below the local average, apply for a housing loan from a commercial bank again. First, the number of mortgage loans is determined based on the borrower's family (including the borrower, spouse and minor children); second, the total area of ??the family housing issued by the local real estate management department based on the housing registration information system is used as the basis. The per capita housing area of ??the borrower's family is It has been higher than the local average housing level; third, households that have used housing provident fund loans to buy houses then apply for housing loans from commercial banks.

Commercial loan down payment ratio: The down payment for the second house is 60%, and the loan interest rate is 1.1 times the base interest rate.

Proportion of provident fund down payment: According to the recent regulations of Changsha Housing Provident Fund Management Committee, as long as the first house is a house with an area of ??more than 120 square meters, when purchasing a second house, housing provident fund personal housing loans will not be issued; If the area of ??the first house is less than 120 square meters (inclusive), and then uses a housing provident fund loan to purchase a second ordinary self-owned house, the loan down payment ratio shall not be less than 50%, and the loan interest rate shall not be lower than the first house provident fund personal housing loan interest rate in the same period. 1.1 times.