The current loan policy in Foshan is as follows:

The purchaser's family name does not have a house in this city, and there is no housing loan record, so the policy of minimum down payment ratio of 3% will continue to be implemented.

The purchaser's family name does not have a house in this city, but he has a housing loan record (including other places), and the construction area of the re-purchased house is less than 144m2, and the down payment ratio of the loan is not less than 4%; The construction area of the re-purchased house is equal to or higher than 144m2, and the down payment ratio of the loan is not less than 6%.

if the purchaser owns one house in this city under the family name, the construction area of the re-purchased house is less than 144m2, and the down payment ratio of the loan is not less than 4%; The construction area of the re-purchased house is equal to or higher than 144m2, and the down payment ratio of the loan is not less than 6%.

if the purchaser has two or more properties in this city under the family name, or there are two or more mortgage records (including those in other places) that are not settled, the loan is prohibited.

I hope the above answers can answer your questions. If you have any more questions, please feel free to ask them. I wish you a happy life!