Mianyang second-home provident fund loan policy is: the down payment for second-home provident fund loans must be greater than 60%, and the down payment for second-home provident fund loans is 70%. It should be noted that provident fund loan centers are different from commercial banks. Banks' recognize housing and loans', and provident fund centers' only recognize housing but not loans'. In other words, if the first home mortgage is purchased and then sold, and now a new house is purchased, you can also use the provident fund loan or consider it as the first suite. The provident fund loan center only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans. However, according to the relevant policies and regulations of provident fund loans, the down payment for purchasing the second suite with provident fund loans must be greater than 60%. I hope it helps you!