Down payment ratio of the first suite

If the employee's family (including the principal borrower, spouse and minor children) has no housing and no housing loan record, the first set of ordinary self-occupied housing will be purchased with housing provident fund loans, and the first set of housing provident fund loans will be implemented. The down payment ratio is as follows:

For the purchase of commercial housing, the down payment ratio of the loan is not less than 30%, and it is not less than the minimum down payment ratio stipulated in the Real Estate Cooperation Agreement of the Provident Fund Center;

If the second-hand house is purchased and the age of the house is less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house age is more than 20 years, the down payment ratio of the loan shall not be less than 40%;

The purchase of public housing, the loan amount shall not exceed 70% of the total price;

Demolition and resettlement or construction, renovation, overhaul of owner-occupied housing, the loan amount does not exceed 70% of the actual payment.

Down payment ratio of second suite

If an employee's family already owns a house or has no house but has a housing loan record, they will buy a set of ordinary self-occupied housing and implement two sets of housing provident fund loans, with the down payment ratio of not less than 60%.

The down payment ratio needs to be comprehensively determined according to the housing situation, price, family repayment ability and credit status. Those who apply for commercial portfolio loans or provident fund commercial discount loans must meet the relevant requirements of commercial banks at the same time.

Employees who have two or more houses or outstanding housing provident fund loans under their family names may not apply for housing provident fund loans.