The down payment ratio stipulated in the second set of commercial housing loans in Guiyang shall not be less than 40%. According to the notice issued by the State Council, the down payment ratio of second-home commercial loans shall not be less than 40%, and the specific loan ratio can be consulted with the loan bank.

Legal objectivity:

Notice of the General Office of the State Council on Promoting the Stable and Healthy Development of the Real Estate Market

essay

Strengthen the implementation of differentiated credit policies. While continuing to support residents to purchase ordinary self-occupied houses with loans for the first time, financial institutions should strictly manage the loans for second-home purchases, reasonably guide housing consumption, and curb the demand for speculative purchases. For families (including borrowers, spouses and minor children) who have used loans to purchase houses and applied for the purchase of second homes, the down payment ratio of loans shall not be less than 40%, and the loan interest rate shall be set strictly according to the risks.