To purchase a second home, you need to meet the following conditions: 1. Already own a property with a property ownership certificate within Nanjing City. 2. The total number of properties under the family name shall not exceed two. 3. Purchase in full or the down payment ratio is not less than 70%. 4. No illegal or criminal record. 5. Have a stable job and source of income. 6. Meet the bank’s loan conditions. 7. Not listed as a bad credit record by the bank. It should be noted that different banks may have different conditions for second home loans, and you need to consult bank staff for details. At the same time, individuals who do not meet the conditions for home purchase are not allowed to purchase a second home in any form, otherwise they will be punished.