Luoyang second-home provident fund loan policy: According to the New Deal, if a family already owns a house and buys a second house and uses the housing provident fund loan, the down payment ratio shall be no less than 60%, and the interest rate shall be 1. 1 times of the personal housing provident fund loan interest rate in the same period. In addition, for the first time, it is stipulated that "single" citizens can only borrow 300,000 yuan.