Second suite, you can use provident fund loans. If it is your first time to use the provident fund loan, the interest rate will not rise, 4% in five years and 4.5% in more than five years. I think you are a second suite, so the down payment for both new and second-hand houses is quite high, about 50%. You have to consult the seller or the bank for details. Provident Fund No matter how many suites you are, it only depends on whether you are using provident fund loans for the first time. The down payment ratio depends on which suite you have. If you are a nonlocal registered permanent residence, I'm afraid there is a limit to the number of houses you can buy in Qingdao. I hope I can help you. I just bought a house with a provident fund loan. I hope to adopt the best answer.