With the development of society, people pay more and more attention to the problem, among which what are the conditions for buying a second house in Chengdu is also a concern. In order to help you solve these problems, Bian Xiao compiled this knowledge, hoping to help you. 1. Conditions for purchasing a second house in Chengdu: residents who own a house and whose corresponding purchase restriction loans have not been settled: among them, western park of Chengdu High-tech Zone, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District, Pidu District and other housing purchase restriction areas1/kloc. The minimum down payment ratio in Chengdu area of Tianfu New District is not less than 70%, and the longest loan period is not more than 25 years; The minimum down payment ratio of other non-restricted areas in the province is not less than 40%. 2. What is the down payment ratio for buying a second suite in Chengdu? 1, and the down payment ratio is only 25% for first-time buyers. According to the previous regulations of the central bank and the China Banking Regulatory Commission, for families who own a house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy, but the down payment ratio is 30%. This means that even if the first home loan has been settled, the down payment ratio of the second home purchase is still 30%. 2. Because of 20 19, 1, when you handle personal housing loan business, you need to use the values of online contract price and house price evaluation price as the calculation base to determine the loan amount, so there will be some changes in the down payment policy for 2019,65438+. 3. At present, CCB, BOC, ICBC Bank of Communications and other banks have indicated that the central bank has issued corresponding notices before, but this policy has not been implemented before, because the detailed rules have not been received. However, since June 65438+1 October1,CCB has taken the lead in implementing this policy, so it is certain that major banks will gradually implement this policy for home buyers' loans, and everyone's loan amount may change. The above is the relevant knowledge compiled by Bian Xiao. However, written knowledge is theoretical knowledge. In practice, it is necessary to analyze the conditions for buying a second house in Chengdu. If you have any questions, you can go to the relevant institutions for further consultation. If you need more legal answers, you can consult a lawyer online!