Generally speaking, if it is a first-hand housing loan, the down payment is more than 30%. If it is a second-hand house, a down payment of more than 50% is required. Farmers can also apply for housing loans. I don't know whether it is a first-hand housing loan or a second-hand housing loan, a commercial loan or a provident fund loan. Make it clear first, otherwise how can everyone help you? You haven't made it clear yet. I can only tell you that the conditions for a mortgage loan for a first-hand house are: (1) legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

(2) Having a good credit record and willingness to repay;

(three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(4) the contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses;

(5) Being able to pay the down payment of the purchased house;

(6) Opening a personal settlement account in a bank;

(7) Effective guarantee recognized by the lender; The procedures for first-hand housing loans are: (1) identity documents;

(2) proof of marital status;

(3) proof of repayment ability and income;

(4) documents proving that the down payment for house purchase has been paid;

(5) A legally binding commercial housing sales contract signed with a real estate developer;

(6) If there is * * * borrower or * * * owner, the borrower or * * * owner shall provide relevant identity documents and the commitment to agree to mortgage, and if there is * * * borrower, it shall provide proof of repayment ability;

(seven) other information required by the bank. References:

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