Legal analysis: buying a second suite in Xi 'an needs to be differentiated. The specific analysis is: 1. For households with a housing area of 90 square meters or less in the urban area of Xi, the down payment ratio of commercial loans shall not be less than 40% when purchasing a second suite with a housing area of 144 square meters or less; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 50%. 2. Households with household registration in Xi City who have a housing area of 90 to 144 square meters (including 144 square meters): if they buy a second house with an area of 144 square meters or less, the down payment ratio of commercial loans shall not be less than 50%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 60%. 3. Residents who already own a housing area of 144 square meters in Xi 'an: if they buy a second housing area of 144 square meters or less, the down payment ratio of commercial loans shall not be less than 60%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 70%. 4. In the case of meeting the requirements of the above down payment ratio, if the commercial loan for residential housing is not settled, the down payment ratio shall not be less than 60%. In addition, after the first housing provident fund loan is settled, if you apply for a housing provident fund loan again, the down payment ratio shall be no less than 50%: the purchase area 144 square meters or less; If the purchase area is more than 144 square meters, the down payment ratio shall not be less than 55%.

Legal basis: Notice on Further Strengthening the Regulation of Real Estate Market II. Give play to the role of differentiated credit regulation.

(1) Adjust the down payment ratio of commercial loans for buying a second house. Determination of self-discipline mechanism of market interest rate pricing in Shaanxi Province through research and negotiation;

1. Residents who already own a housing area of 90 square meters or less in our city: if they buy a second house area of 144 square meters or less, the down payment ratio of commercial loans shall not be less than 40%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 50%.

2. Households with a housing area of 90 to 144 square meters (including 144 square meters) in our city: if the second housing area is 144 square meters or less, the down payment ratio of commercial loans shall not be less than 50%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 60%.

3. Residents who already have a housing area of 144 square meters in our city: if the second housing area is 144 square meters or less, the down payment ratio of commercial loans shall not be less than 60%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 70%.

4. In the case of meeting the requirements of the above down payment ratio, if the commercial loan for residential housing is not settled, the down payment ratio shall not be less than 60%.

(2) Adjust the down payment ratio of provident fund loans. After the first housing provident fund loan is settled, apply for using the housing provident fund loan to buy a house again: if the purchase area is 144 square meters or less, the down payment ratio shall not be less than 50%; If the purchase area is more than 144 square meters, the down payment ratio shall not be less than 55%.