1. For families (including borrowers, spouses and minor children) who purchase their first home with a floor area of ??more than 90 square meters, the loan down payment ratio shall not be less than 30%.

2. For families purchasing a second home with a loan, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be lower than 1.1 times the benchmark interest rate.

3. For those who purchase a third or higher house with a loan, the loan down payment ratio and loan interest rate should be significantly increased, and the details shall be determined independently by commercial banks based on risk management principles.