The down payment ratio for two houses in 2017 is: 60%, and the down payment ratio for two houses in Beijing, Shanghai, Guangzhou and Shenzhen is 70%.

For a first ordinary self-housing loan of less than 90 square meters, the minimum down payment ratio is 20%; for a first home loan of more than 90 square meters, the minimum down payment ratio is 30%.

Second home loan conditions:

1. The borrower has full capacity for civil conduct;

2. Has an official urban household registration or valid residence status in this city;< /p>

3. Have stable economic income, good credit, and the ability to repay the principal and interest of the loan;

4. Pay the housing provident fund normally before borrowing and pay continuously for more than six months;

5. Be able to provide a valid contract or agreement for the purchase of a self-occupied house;

6. The borrower and the buyer in the house purchase contract must be consistent;

7. Own funds that are less than 30% of the value of the self-occupied house (more than 40% of the second-hand house);

8. When purchasing commercial housing, the developer should provide a periodic guarantee and submit credit materials;

9. The borrower agrees to open a personal account at the loan undertaking bank, and agrees that the loan undertaking bank will directly transfer the loan principal and interest from the account every month.

I hope my answer can help you.