1. The buyer chooses a commercial loan to purchase the first house, with the minimum down payment ratio of 30% of the appraised house price and the maximum loan ratio of 70%. 2. The buyer chooses commercial loans to purchase two or more houses, with the minimum down payment ratio of 50% of the appraised house price and the maximum loan ratio of 50%. Now the housing market is hot, and many buyers are rushing to major exhibitions to see and buy houses. But if you already have the first house and want to buy a second house, what is the down payment ratio of the second home loan? Below, Fatu Bian Xiao brings you a related document to help you understand it in detail. First, second-home loan down payment ratio: According to commercial loans and provident fund loans, the down payment ratio of second-hand houses is as follows: (1) Buyer buys a house with commercial loans: 1. The Buyer chooses a commercial loan to purchase the first house, with the minimum down payment ratio of 30% of the appraised house price and the maximum loan ratio of 70%; 2. The buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 50% of the appraised house price and the maximum loan ratio of 50%; (2) Buyer's housing purchase with provident fund loan: 1. The Buyer chooses provident fund loan to purchase the first house, with the minimum down payment ratio of 20% of the appraised house price and the maximum loan ratio of 80%; 2. The buyer chooses provident fund loans to buy two houses, with the minimum down payment ratio of 40% of the appraised house price and the maximum loan ratio of 60%;

3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses. Can I get a loan for the second suite and the second suite? (1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract; (2) Eligible buyers apply for loans from loan banks and provide relevant certification materials; ⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal; (4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions; 5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan; [6] The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities; (7) The purchaser signs a second-hand house mortgage loan contract with the loan bank; (8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; (9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; ⑽ The borrower repays the loan on a monthly basis; ⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee. If you buy a commercial house, the down payment ratio of the second suite is 50%, and if you buy the second suite with the provident fund, the down payment ratio is 60%. However, local policies are different, so you need to pay more attention to relevant policy information.

Legal basis: Article 667 of the Civil Law defines a loan contract as a contract in which the borrower borrows money from the lender, repays 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 has the obligation to truthfully provide information to conclude a loan contract, and the borrower shall truthfully provide the business activities and financial status related to the loan as required by the lender.