According to the house purchase policy, the down payment ratio for a second home for a couple is 40%, and the interest rate is 1.1 times the base interest rate.

The down payment of a second home loan is the abbreviation for the first installment of a mortgage loan for a second ordinary owner-occupied home. It refers to the borrower's family as a unit, and the per capita housing area of ??the borrower's family is higher than the local average. level, apply again to a commercial bank for the first installment of a housing loan. In addition, those who purchase a house in the following four situations will also be loaned as a second house:

1. There is a house in the name of the parents, and the house is purchased in the name of the minor children;

2. There is a house in the name of the individual For a house purchased in full, a second loan will be used to purchase the house;

3. Use a commercial loan for the first house purchase, and a provident fund loan for the second house purchase;

4. One party purchased a house with a loan before marriage, and after marriage, Apply for a loan to purchase a house in the name of another party, but the two people have different household registrations.

According to local policies and the regulations of different banks, there is currently no unified standard for the down payment ratio for a second home, ranging from 40% to 70%. Not only is the down payment ratio for a second home much higher than that for a first home, but the loan review is also relatively more stringent.

What should you pay attention to when purchasing a second home loan?

1. You can still enjoy preferential policies when purchasing a second home with a provident fund loan. If you use a commercial loan for the first set, you can still enjoy the first set of loan policies if you use a provident fund loan to buy the second set. If you buy both sets of provident funds, you can still enjoy the first set of policies as long as you pay off the loan balance of the first set.

2. If according to the rumored standards to be implemented by China Construction Bank for second-home loans, the customer has used a bank loan to purchase a house, and if the per capita area of ??the family does not reach 26.6 square meters (area of ??property rights certificate/population of household registration), then You can enjoy the first set of preferential policies when refinancing; if consumers apply for a loan from China Construction Bank, they can compare in advance whether the per capita housing area exceeds 26.6 square meters.

3. Prepare the information in a timely manner to save processing time. There are many steps in the loan process, especially the transfer and mortgage time, which takes a long time. Preparing the relevant information in a timely manner will help the application to be completed as soon as possible. Among them, income certification materials are difficult to obtain, and single home buyers are prone to missing the single certificate.