The down payment ratio for the second home is adjusted to no less than 40%.

For households that already own a house and have outstanding home purchase loans, in order to improve their living conditions, apply for a commercial personal housing loan again to purchase a second ordinary commercial house. The low down payment ratio for the second house loan will be adjusted to no less than 40%.

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Before adjustment: the down payment ratio for the second home is 60% in Beijing, Shanghai, Guangzhou and Shenzhen and 70%.

Previous housing provident fund loan policy for second homes: For ordinary self-occupied housing loans of less than 90 square meters for the second home, the low down payment ratio for the second home is 20%; for second home loans with an area of ??more than 90 square meters, low down payment for the second home loan

The payment ratio is 30%.