Answer: If you want to buy a second house to improve your living conditions, the down payment ratio of personal loans of housing provident fund shall not be less than 60%.

Q: Shanghai has the lowest interest rate for the second-home provident fund loan to improve living conditions.

Answer: If you buy a second house to improve your living conditions, the loan interest rate shall not be lower than 1. 1 times the benchmark interest rate.

Related extensions:

For families who buy the first set of self-occupied housing in this city and the Taoxing construction area is above 90 square meters (including 90 square meters) or buy affordable housing, the down payment ratio of housing provident fund loans shall not be less than 20%; For families who purchase the first set of self-occupied housing with a floor area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%. The maximum loan limit for each household housing provident fund is 600,000 yuan.

In order to improve the living conditions to buy a second house, the maximum loan limit of each family housing provident fund is 400,000 yuan. The down payment ratio of the loan shall not be less than 50%. Suspension of housing provident fund loans to families who purchase non-improved second homes.

Stop lending to the family housing provident fund that buys the third and above houses.