Hangzhou house purchase loan policy:

① For the first home, whether you are applying for a commercial loan or a provident fund loan, you need to have no house in Hangzhou and no housing record before you can enjoy the 30% down payment preferential policies.

② For a second home, if you already have a house in your name or do not have a house but have a housing record and then apply for a personal housing mortgage loan, the down payment ratio must be no less than 60%.

③ For those who want to buy a second-hand house but also want to apply for a housing provident fund loan. If the previous house has already applied for a provident fund loan, then when applying for the second house loan, you need to You can apply only after the previous set of loans has been paid off. The loan ratio for the same period is not less than 60%, and the rate is 1.1 times the provident fund loan interest rate for the same period.

From the above standards, it is not difficult to see that the identification standards for second homes are particularly important, because the loan interest rates for second homes will be directly higher than those for first homes, and the loan interest rates will also increase. If you have a property in your name or have a past House purchase records are counted as a second home.