The down payment of the second home loan refers to the abbreviation of the first payment of the second set of ordinary self-occupied mortgage loans, and refers to the first payment of the second home loan that is determined by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level. On March 3, 217, the website of the central bank issued a notice saying that for households with one set of housing and outstanding corresponding housing loans, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary self-occupied housing again, and the minimum down payment ratio should be adjusted to not less than 4%. The specific down payment ratio and interest rate level should be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.