When applying for personal housing loans (including first-hand and second-hand buildings) at China Merchants Bank, the down payment ratio is as follows: 1, with the minimum ratio of 30% for the first suite, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction"); 2. The minimum loan amount is 40%, that is, the maximum loan amount does not exceed the value of the purchased property. In addition, the requirements for monthly income are: the proportion of monthly loan expenditure to monthly income should be controlled below 50% (inclusive), and the proportion of monthly debt expenditure to monthly income should be controlled below 55% (inclusive), that is, the monthly loan expenditure should not exceed the average monthly income, and the monthly debt expenditure should not exceed 55% of monthly income. Please refer to the regulations of the local branch for details. Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation.