If you buy a house again through commercial loans, the bank will consider a second set of loan policies. The down payment ratio of two ordinary houses is 60%, and the down payment ratio of two non-ordinary houses is 80%, and the benchmark interest rate will rise by 1.2 times.

If you use provident fund loans, and there is no house under the Beijing family name, the provident fund management center will make loans according to the first set of policies, with the maximum loan amount of 6.5438+0.2 million and the longest loan period of 25 years. The provident fund needs to be continuously deposited in Beijing for 12 months, and it takes one year to open an account. At present, it is in the state of deposit, and there is no outstanding provident fund loan under the family name. You can use the provident fund to buy a house.

The identification standard of portfolio loans is to recognize housing and loans, and to implement strict standards of provident fund loans and commercial loans. If the provident fund portfolio loan is used, both the provident fund loan and the commercial loan are recognized as two sets of loans, which are implemented in accordance with the two sets of loan policies.