Provident fund loans to buy a second home must be more than 60% down payment, and second home provident fund loans require a down payment of 70%. It should be noted that provident fund loan centers are different from commercial banks. Banks' recognize housing and loans', and provident fund centers' only recognize housing but not loans'. In other words, if the first home mortgage is purchased and then sold, and now a new house is purchased, you can also use the provident fund loan or consider it as the first suite. The provident fund loan center only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans. However, according to the relevant policies and regulations of provident fund loans, the down payment must be greater than 60% when purchasing the second suite with provident fund loans.