If you have used the loan to purchase a house and applied for the purchase of a second house or above, the down payment ratio shall not be less than 40%, and the interest rate shall not be less than 1. 1 times the benchmark interest rate of the central bank. The household registration is one household, and deep households can buy 2 houses (including houses registered by the Land and Resources Bureau: private houses, commercial houses, welfare houses, etc.). ). Non-deep households can only buy one house. If the child has opened another account, it is another family, and the second suite is generally 60% down payment.

Article 667 of the Civil Code of People's Republic of China (PRC) defines a loan contract as a contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, except as otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 The borrower is obliged to enter into a loan contract truthfully, and the borrower shall truthfully provide information on the business activities and financial status related to the loan as required by the lender.