What is the down payment ratio of the second suite in Changzhou? The down payment ratio of the second suite in Changzhou is 40% of the total house price. The so-called "second home mortgage down payment" is actually the abbreviation of the second home mortgage down payment. Refers to the down payment of housing loan determined by the borrower's family (including the borrower himself, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average. 1 year commercial loan interest rate is 4.35%, 2-5 years loan interest rate is 4.75%, and 5 years or more loan interest rate is 4.9%. The interest rate of the first home purchase and the first home loan does not rise, and the interest rate of the second home loan rises 10%. The construction area of commercial housing purchased in Changzhou urban area must be more than 50 square meters, allowing me, my spouse and unmarried children to move in. People in other cities must have a stable source of employment and livelihood. If the housing area purchased for the first time is 90 square meters or less, the deed tax shall be levied at the rate of 1%; If the area exceeds 90 square meters, the deed tax shall be levied at the rate of 1.5%. If the area of the second suite is 90 square meters or less, the deed tax shall be levied at the rate of 1%; If the area exceeds 90 square meters, the deed tax shall be levied at the rate of 2%. Residential special maintenance funds shall be deposited by the property owner. The deposit standard is: the commercial house with elevator is based on the construction area of the purchased house 120 yuan/_; Commercial housing without elevator shall be deposited according to the construction area of the purchased house, 60 yuan/_. Changzhou is not limited to the purchase of new commercial housing (including second-hand housing), and it can only be listed and traded after obtaining the property right certificate for 2 years. Although the regulatory policies on second-home loans in first-tier cities have been introduced one after another, the data obtained from the survey of major banks in Changzhou show that the down payment ratio of second-home loans in Changzhou is still 60%, and there is no change. Interest rates are still rising 10%, and second-home loans in first-tier cities have not been tightened. To sum up, not only the down payment ratio of the second suite in Changzhou is high, but also in other regions. This is mainly to control people's enthusiasm for buying houses, but also to avoid the waste caused by excessive housing concentration. Generally speaking, in addition to the low down payment conditions, both husband and wife can also deduct part of the house payment from the housing provident fund to reduce the pressure of buying a house.