Now that the policy has been liberalized, if the second suite has no final payment, it will be calculated according to the first set of benchmark 6.55 or 9-95 fold. (1) For families who have no personal housing loan records or have settled their housing loans and have no houses under their names, they can apply for loans to purchase houses and implement the first home loan policy. The loan interest rate and down payment ratio can be given appropriate concessions according to local market conditions. (2) For families who own a house and have settled the corresponding housing loan, in order to improve their living conditions, they can apply for a loan to buy a house again. They can refer to the implementation of the first home loan policy and reasonably determine the loan interest rate and down payment ratio according to the local market conditions. (3) For families who own a house but have not settled the corresponding housing loan, apply for a loan to buy a house. The minimum down payment ratio of the loan is 60%, and the lower limit of the loan interest rate is 1. 1 times of the benchmark loan interest rate. (4) For families who own two or more houses and have settled the corresponding housing loans, apply for loans to purchase houses. The minimum down payment ratio of loans is 60%, and the lower limit of loan interest rate is 1. 1 times the benchmark loan interest rate.