What is the second home loan policy in Zhuhai?

"Second home mortgage down payment" is the abbreviation of the second home mortgage down payment. Refers to the down payment of housing loan determined by the borrower's family (including the borrower himself, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average.

At present, the second home loan is very strict, mainly reflected in two points: first, the interest rate is not discounted compared with the first suite, but it has to rise above 10%; Second, the down payment ratio of the second home loan shall not be less than 40%. This regulation, before the crazy property market in 2008, suppressed speculation in the property market to some extent. Moreover, due to the security of funds, even at the lowest point of the property market in 2008, all policies on property market regulation were breached one by one, except for the second home loan, at least in official documents, there was no sign of relaxation.