① If you choose a commercial loan to buy the first house in Kunming, the down payment ratio of the loan is 30%, and if you use the loan to buy the second house, the down payment ratio is 50%.

② In Kunming, choose provident fund loan to buy the first house, the down payment ratio is only 20%, and the down payment ratio of the second house is only 40%.

(3) To apply for a loan in Kunming, it must be above 18 and below 65.

To apply for a mortgage in Kunming, the applicant needs to provide relevant materials. For example, you need to provide your own identity certificate, work certificate, income certificate and so on.

To apply for a mortgage in Kunming, you need to have a certain economic foundation, because you have to pay at least 30% down payment for the loan to buy a house, and the rest can go to the bank to apply for a loan. If you can't afford this down payment, it's difficult to apply for a loan.