Since you said that four counties and one city are not included, you can apply for provident fund loans. As for the down payment, if you have never made a public loan before, then if you use a public loan for the first time and meet the loan conditions, you can apply for a loan according to the first suite. The down payment of the first housing provident fund loan should be no less than 20% of the house price.

Personal interpretation is for reference only. The authoritative answer needs to consult Hefei Provident Fund Management Center.

Hefei Provident Fund official website can leave a message online for consultation.