On March 30th, the latest policy of 20 17 second home loan was announced: the minimum down payment ratio was adjusted to not less than 40%. China People's Bank of China, Ministry of Housing and Urban-Rural Development, China Banking Regulatory Commission issued a notice on reducing the down payment ratio of personal provident fund to purchase a second home loan.

The minimum down payment ratio for purchasing the first home loan is 20%.

The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%;

For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.

The down payment ratio for buying a second home loan dropped to 40%

For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%.

Before the adjustment: the down payment ratio of the second suite is 60%, and that of the north, Guangzhou and Shenzhen is 70%.

① Before that, the down payment ratio of the second suite was 60%, and that of the second suite in Beishangguangshen and Shenzhen was 70%.

② Previous housing provident fund loan policies: if the first set of ordinary self-occupied housing loans is less than 90 square meters, the minimum down payment ratio is 20%; The minimum down payment ratio of more than 90 square meters is 30%.