For families who own a house but have not settled the corresponding housing loan, they can apply for individual housing provident fund loans to buy ordinary self-occupied houses, and the minimum down payment ratio of the loans is 40%. However, if you own a house and have settled the corresponding housing loan, you can apply for a housing provident fund entrusted loan to buy ordinary self-occupied housing again to improve your living conditions, and the minimum down payment ratio is 30%.

The second suite is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks.

Guangzhou's purchase restriction policy:

1, strictly implement the policy of restricting purchases and loans. Strictly implement the original housing purchase restriction policy, that is, households with registered residence in this city are restricted to purchase 2 sets of housing (including new commercial housing and second-hand housing).

Families who are not registered in this city can provide proof that they have paid personal income tax or social insurance for more than three years in this city within five years before the date of purchase, and the purchase is restricted to 1 house. Non-resident families in this Municipality are not allowed to purchase houses by paying back personal income tax payment certificates or social insurance payment certificates.

2. Strictly implement the existing differentiated housing credit policy. According to the recent policy of Guangzhou Provident Fund, the lower limit of the down payment ratio of provident fund loans is 30% for families who purchase the first home with pure provident fund loans and families who purchase the second suite without loan records or have settled the corresponding home purchase loans; If the house purchase loan has not been settled, the down payment ratio of the second suite shall not be less than 70%.

In both cases, the loan interest rate is 1. 1 times the benchmark interest rate of individual housing provident fund loans. If the family buys the third suite, the provident fund loan will be suspended.

Guangzhou local residents can only buy two houses.

4. Guangzhou hukou, but the buyer is single or divorced and wants to buy a house.

5. Non-Guangzhou residents can buy a house after paying social security or individual tax for five years.