In China, the provident fund loan policy for buying a second home varies from region to region and from time to time, and the specific provisions may vary slightly from city to region. The following are some general guidelines, but please note that the actual situation may need to refer to local policies and regulations:

1. Loan amount: For the second home provident fund loan, the borrower can usually apply for a lower loan amount than the first home. The specific amount may vary from region to region and time, so it is necessary to refer to local policies.

2. down payment ratio: the down payment ratio of the second home provident fund loan is usually higher than that of the first home. The specific down payment ratio may vary from region to region and time, so it is necessary to refer to local policies.

3. Loan interest rate: The interest rate of the provident fund loan for the second suite is usually higher than that for the first suite. The specific interest rate may vary by region and time, so it is necessary to refer to local policies.

4. loan term: the term of the second home provident fund loan is usually shorter than that of the first home. The specific time limit may vary by region and time, so it is necessary to refer to local policies.

5. loan conditions: for the second home provident fund loan, the borrower usually needs to meet stricter loan conditions, such as higher credit score, stable income and good repayment ability.

It should be noted that the provident fund loan policies in different places may be adjusted at any time, so please consult the local housing provident fund management center to obtain the latest and most accurate policy information before applying for loans. At the same time, you can also consult local banks or financial institutions to learn about other loan options, so as to find the most suitable loan scheme for you.