Guangzhou's second home loan policy stipulates that the down payment ratio is not less than 70%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate. Branches of the People's Bank of China can improve the second set of housing loans on the basis of the national unified credit policy according to the price control objectives and policy requirements of the local people's government for new housing; The second home loan is 40% to 45%. Generally, there is no loan record, and you can apply for divorce. The real estate is handed over to one party, and the other party can make the first home loan. The provident fund needs the first suite to be less than 90 square meters. You can only apply for the first home loan after more than one year of divorce.