Hello, strictly implement the down payment ratio and interest rate policy, please refer to:

1. First self-occupied housing: For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters, the down payment ratio of the loan shall not be less than 30%;

2. Second suite: for families who purchase a second house by loan, the down payment ratio of the loan is not less than 50%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate;

3. Three or more houses: For the third or more houses purchased by loans, banks and departments will substantially increase the down payment ratio and interest rate level according to the risk status of the loan applicant.