Hello, if down payment is not allowed, if housing loans (including first-hand houses and second-hand houses)/down payment ratio are handled through our bank, the provisions are as follows:

1. For the first suite, the minimum ratio is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction")

2. For the second suite, the minimum ratio is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.

Your specific loanable amount requires you to submit relevant information, which can only be determined after the approval of the outlets. You can directly contact the personal loan department of the local outlet for consultation.