(1) Personal loans for which the house purchased is a second home are limited to deposit-paying employees whose existing per capita residential building area is lower than the per capita residential building area for urban residents newly announced by the Beijing Municipal Bureau of Statistics. family.

The per capita residential building area of ??urban residents in 2009 announced by the Beijing Municipal Bureau of Statistics was 28.81 square meters. That is to say, the current personal loan targets for second homes are limited to the existing per capita residential building area of ??less than 28.81 square meters. (excluding) families of contributing employees.

The existing per capita residential building area of ??the deposited employee families shall be calculated based on the existing residential building area of ??the deposited employee family and the number of members of the deposited employee family. Family members of deposited employees include: loan applicant, loan applicant’s spouse and minor children.

(2) The purpose of personal loans for purchasing a second home is limited to the purchase of ordinary self-occupied housing to improve living conditions. It is not allowed to purchase a second home that is an apartment, villa or other high-end residence. Borrowers issue personal loans.

(3) The interest rate of a personal loan for a second home purchased is 1.1 times the interest rate of the first personal loan in the same period.