Because the credit policy of each city is different, the loan interest rate of each city will be determined according to the local policy. First of all, talk about the proportion of commercial loans. The down payment on a house is usually 30%. When buying a second home, if the first home loan of an individual or family has been settled, the down payment for the second home is 40% to 50%. When buying a second house, if I or my name has the first home loan, the down payment for the second house is 60% to 70%.

How can we be sure it's a second house?

1. If you buy a house with a loan, you can find it in the property registration office, and then you can borrow a loan to buy a house, which is the second house.

I bought a house with a loan and then sold it. I can't find the information of the house online, but I can find the loan in the bank's credit record, and then I bought the house with the loan, which is the second house.

If you have bought a house with all your money, you can find a house online and get a loan to buy a house. This is the second house.

4. I bought the house in full and sold it. The information of the house could not be inquired, so I bought it with a loan. This is the first house.

5. If the local housing registration system has no query conditions for the time being, the bank should conduct due diligence to confirm that the purchaser already has a property, and then buy it, which is the second house.

6. There are two sets of commercial loan records for the house under the individual's name, one set has been repaid and the other set has not been repaid. At this time, loans can be made in accordance with the three provisions.

7. There are two houses in your name, which have been paid off and sold. You can get the evidence of these two houses. If there is no house, it can only be counted as three houses.

8. A set of housing loans in the name of an individual has been paid off, and another set of housing provident fund loans has also been paid off. Now, no matter whether you apply for provident fund loans or commercial loans, it is recognized as three sets of housing.

9. A couple used a bank loan to buy a house before marriage, a provident fund loan before marriage, and a loan in the name of husband and wife after marriage. According to the New Deal, this is a pre-marital loan, but because the bank credit information system has records, if it is a loan in the name of husband and wife, it is the third suite.

10, both husband and wife, one of whom has a house before marriage, but has no loan record, and the other has a loan record before marriage, but has no real estate, and then applies for a loan after marriage, which is regarded as the third house.