If the loan applicant belongs to the purchase of a second house, it shall be handled according to the following requirements:

(1) The down payment ratio of the personal loan for purchasing the second house shall not be less than 60%, that is, the personal loan amount shall not exceed 40% of the actual purchase price.

(2) The personal loan interest rate for purchasing the second house is 1. 1 times of the first personal loan interest rate in the same period.