Legal analysis: the minimum down payment ratio of the second suite in Shijiazhuang is 40%. In the loan link, it is determined according to the following criteria: (1) The first suite means that the borrower has no outstanding housing loan records nationwide; At the same time, there is no housing in the five districts of Shijiazhuang; (2) The distinction between the first set and the second set is based on the family, which means not only that the borrower himself has no room, but also that the borrower's family members have no room. Houses previously registered under the names of family members, and the number of houses registered under the names of family members, are recognized as family-owned. (3) The scope of housing loan records refers to the whole country, not just Shijiazhuang. It includes not only commercial loan records, but also housing provident fund loan records. (4) The house purchased by the loan is a commercial or office building, and the loan record is not calculated; Mortgage consumer loans or mortgage business loans completed with housing as collateral are not included in the loan records. (5) Only any house in Shijiazhuang is counted, not any house outside Shijiazhuang. Housing scope includes affordable housing, purchased public housing, commodity housing and bungalow, excluding commercial housing and office space: (6) The purchaser himself has no fixed income, and his parents guarantee repayment (parents need to be employed), depending on the number of housing units of the main lender.

Legal basis: Article 61 of the Law of People's Republic of China (PRC) on Urban Real Estate Management shall apply to the land administration department of the local people's government at or above the county level for registration, and the land administration department of the local people's government at or above the county level shall issue a land use right certificate after verification. If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.