Zhengzhou's new second-home standard is based on the family, which recognizes both the house and the loan. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated according to the second home loan. The down payment ratio of the second home will be raised from the current 60% to 70%, and the interest rate will be raised from 1. 1 times to 1.3 times. Second-home loan policy For the recognized first-home lender, a relatively favorable provident fund loan policy can be obtained. If the first suite is a policy-oriented housing or the first self-occupied housing of small and medium-sized units, the building area of the suite shall not exceed 90 square meters, and the down payment ratio shall not be less than 20%. At the same time, on the basis of the maximum amount of 800,000 yuan, according to the personal credit rating, the loan amount can be increased by up to 30%, that is, no more than 6,543,800 yuan+0,400 yuan. For the purchase of the first suite of non-policy housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio shall not be less than 30%, and the maximum loan amount will no longer rise.