The ratio of down payment for the second house is: 60%. The China Banking Regulatory Commission reiterates its requirements for families (including borrowers, spouses and future residents) who have used loans to purchase a house and are applying to purchase a second or more houses (including borrowers, spouses and future residents). Adult children), the loan down payment ratio is not less than 40%, and the loan interest rate is strictly based on risk pricing. The down payment for a second home in Xiamen is higher than 60% of the transaction price. The loan for the second home can only be 40% of the appraised price. The actual transaction price will be higher than the appraised price, and the down payment will be more than 60%.