1. When purchasing the first house with an area less than 90, the down payment ratio shall be: 20%;

2. When the area of the first suite is over 90, the down payment ratio should be: 30%;

3. If you use the provident fund loan to buy the first suite, the down payment ratio should be: 20%.

Beijing first suite identification standard:

1. If the property buyer has borrowed money to buy a house, and the commercial loan has been settled, it will be regarded as the first suite.

2. The buyer once bought a suite with a loan and later sold it. There is no property under the name of the buyer in the house registration system, but the loan record of the buyer can be found in the bank credit information system, and then the loan to buy a house is the first suite;

3. If the buyer has bought the house in full and then borrowed to buy a house, it is considered as the first suite;

4. The buyer once bought a suite in full and later sold it. There is no property under the buyer's name in the housing registration system, so if you borrow money to buy a house, it will be recognized as the first suite;

5. There are commercial loan records of two suites in the personal name, but they have all been paid off and sold, and they can provide proof of the sale of these two houses. In this case, if you take out a loan to buy a house, it will be the first suite.

To sum up, the criteria for the identification of the first suite in Beijing are unified throughout the country, and no housing has been purchased in the form of loans, that is, there is no loan record in the bank's lending system and no housing in Beijing.

Legal basis:

Article 10 of the Regulations of People's Republic of China (PRC) Municipality on Household Registration

If a citizen moves out of the place under the jurisdiction of the household registration, he or the head of the household shall apply to the household registration authority for emigration registration, obtain a migration certificate and cancel the household registration.

Citizens who move from rural areas to cities must apply to the permanent residence registration authority for moving out with the employment certificate of the urban labor department, the school admission certificate, or the approval certificate of the urban household registration authority.

Citizens moving to border areas must be approved by the public security organs of the counties, cities and municipal districts where they live.

Article 13

A citizen who moves shall, within three days in the city and ten days in the countryside from the date of arrival at his place of residence, report to the household registration authority for registration of moving, and submit a certificate of moving.

Citizens who have no migration documents shall report to the household registration authority where they move in with the following documents:

1. Soldiers who are demobilized, transferred to other jobs or discharged from the army shall be certified by the military service organs at the county or city level or by the military organs at or above the regiment level;

2. Overseas Chinese and returned students should show their passports or entry certificates of the People's Republic of China;

Three, released by the people's court, the people's Procuratorate or the public security organ, with the certificate issued by the releasing organ.