Second-home loan policy: if a family has bought a second home to improve the environment, the down payment ratio of the house purchase shall not be less than 60%, and the bank loan interest rate shall not be less than 1. 1 times of the benchmark interest rate. For families who already own a house and the first home loan has not been settled, in order to improve their living conditions, they want to apply for commercial personal housing loans again to buy ordinary self-occupied houses, so the minimum down payment ratio is adjusted to not less than 40%.

Legal objectivity:

The establishment, alteration, transfer and extinction of the real right of immovable property in 208th Article of the Civil Code shall be registered according to law. The establishment and transfer of the real right of movable property shall be delivered according to law.