1, the down payment ratio of the second suite is 50%-70%, and the down payment is calculated by multiplying the total house price by the down payment ratio. For example, the total house price 1 ten thousand, the down payment ratio is 50%, and the down payment 1 ten thousand * 50% = 500 thousand.

2. The interest rate of the second suite shall not be lower than 1. 1 times of the benchmark interest rate.

The second set of housing loan fees

1. down payment: According to the regulations of the bank, the borrower must pay a down payment of not less than 60% of the purchased house price when applying for a second home loan, and some areas require that the down payment ratio of the second home loan be not less than 70%.

2. Interest: The interest of the second mortgage is calculated according to the borrower's loan amount, loan term, loan interest rate and repayment method, in which the loan interest rate directly affects the amount of mortgage interest expenditure.

3. Mortgage registration fee: Customers who apply for a second home loan must agree to mortgage the houses purchased under their names. When going through the mortgage registration formalities, the borrower needs to pay a certain mortgage registration fee.

4. Notarization fee: When handling the second home loan, you need to pay notarization fee. When applying for a bank housing loan, the bank will entrust a notary department to certify the borrower's qualifications, and the borrower needs to pay a notary fee.

Logo of the second suite

1. The borrower applies for a loan to purchase a house for the first time, and his family has registered one or more complete houses in the house registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased;

2. The borrower has used the loan to purchase more than 1 house (inclusive) and applied for the loan to purchase the house;

3. The lender is convinced that the borrower's family already owns a house (or more) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary);

4. For non-local residents who can provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender shall implement differentiated housing credit policy according to Article 3.