Hello, the down payment ratio of Shenzhen Provident Fund to buy a second apartment is not less than 60% (Note: when the loan applicant applies for provident fund loans, the number of housing units will be calculated based on the applicant and the family with the largest number of housing units under the applicant's name, and finally the number of existing housing units will be determined based on the family with the largest number of housing units in the loan applicant's family (including both husband and wife and minor children)).

The employee himself is the applicant for provident fund loan, and the spouse is the same applicant; Parents who deposit housing provident fund in this city may be the same applicant.

Except for spouses, parents and children, employees cannot apply for provident fund loans with the houses purchased by all others.

Employees who purchase affordable housing and commercial housing (residential) and apply for provident fund loans shall meet the following conditions:

1. The applicant and * * who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time for 6 months before the month of application (the month of overdue payment is not counted as 6 months), and the application is in a normal payment state; (* * * If the applicant participates in quota calculation, the above conditions also need to be met. Those who do not meet the above conditions can only be the same applicant as * * *, but do not participate in the quota calculation).

2. The applicant and * * * the same applicant have no provident fund loan or have paid off the provident fund loan in this city; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;

3. The applicant and those who participate in the calculation of the loanable amount of the provident fund loan have the ability to repay the principal and interest of the loan and have a good credit status;

4. The applicant has paid the down payment for the house purchase as required;

5. The applicant provides a guarantee that meets the requirements of these Provisions;

6. The loan application meets the requirements of national, provincial and municipal real estate market management policies;

7. Meet other conditions stipulated by the provident fund management committee.

At present, the annual interest rate of provident fund loans for less than five years (inclusive) is 4%, and that for more than five years is 4.5%.