The down payment for the second home loan is 60%, and the down payment for commercial loans and provident fund loans under the New Deal is 60%. If you buy a second-hand house, the down payment is 40% of the loan, which is 40% of the evaluation price. Generally, the evaluation price is lower than the transaction price, so the actual down payment is generally higher than 60% of the transaction price; In addition, if you still have a loan outstanding, it will have an impact on your re-application for a loan, mainly depending on your repayment ability and personal loan qualification, and you may be refused a loan. As for the interest rate upstairs, I said.