The minimum down payment ratio of the second suite is adjusted to not less than 40%, that is, 40%, which means that residents can pay 600,000 less down payment when buying 2 million second suites. Ordinary housing sold for more than 2 years (including 2 years) shall be exempted from business tax. The down payment of provident fund loans was reduced to 20%. In terms of provident fund policy, the down payment ratio of the first suite is 20%; The minimum down payment for owning an apartment and then buying an ordinary self-occupied house is 30%, compared with 60% before. The loan interest rate is still unclear. According to a personal lender of a bank, although it is clear in the new policy that the down payment for the second home will be lowered, the loan interest rate is not clear. Referring to the interbank practice, raising interest rates is still inevitable. The specific floating amount depends on the comprehensive situation of the qualifications and credit information of the buyers.

Legal objectivity:

What is the interest rate of the second home loan? The main contents are as follows: 1, 20 1 1. Since June 1, the State Council has required all financial institutions to implement differentiated credit for housing loans: for families (including borrowers, spouses and minor children) who buy the first home and have a housing area of over 90 square meters, the down payment ratio of loans shall not be less than 30%. For families who purchase a second home by loan, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. 2.2065438+On March 1 2003, the State Council promulgated the latest mortgage law "Notice of General Office of the State Council on Continuing to Do a Good Job in the Regulation of the Real Estate Market": the notice clearly stated that to further increase the down payment ratio of the second home loan and the loan interest rate, citizens should pay 20% personal income tax when selling their own houses.