The new policy is that the down payment of the second-home provident fund loan is not less than 50%, and the minimum is not less than 30% of the total house price. Loan interest rate 1. 1 times the loan interest rate of the first provident fund for the same period. The second-home provident fund loan in Wuxi is only for employees' families whose housing area is less than 120 square meters when applying for the first-home provident fund loan, and the loan is only used to purchase ordinary self-occupied housing with improved living conditions. If the area of the first suite is above 120 square meters, the provident fund loan cannot be used again.