1, down payment ratio of the second suite

(1) First Suite:

The down payment ratio is 30%, that is, the loan amount does not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction");

(2) The second suite:

The down payment ratio is 40%, that is, the loan amount does not exceed 60% of the value of the purchased property.

(3) In addition, the commercial loan of the first suite has not been paid off, and the provident fund loan can be used for the second suite, and the down payment still enjoys the first set of treatment, that is, the down payment ratio is 20%.

(4) If the construction area of the first suite is less than 144 square meters (including 144 square meters) and the construction area of the second suite is greater than 144 square meters, the down payment ratio shall not be less than 30%, and if it is less than 144 square meters (including 144 square meters). If the construction area of the first suite is greater than 144 square meters, the second suite cannot use the provident fund loan. (Note: Some cities 140 level).

2, the second suite down payment interest rate

(1) Loan interest rate:

Compared with the interest rate of the first provident fund personal housing loan in the same period, the interest rate of the second-home provident fund loan rose by 10%, and the interest rate of the personal provident fund loan for more than five years was 3.35%. If it rose by 10%, it would be 3.575%.

(2) Loan amount and term:

The second-home provident fund loan amount is 800,000 yuan. The longest loan period of provident fund loans shall not exceed 30 years, and the sum of the loan period and the actual age of employees when applying for loans shall not exceed 70 years.