1, the first set of the first loan
When households purchase ordinary houses for the first time (referring to houses that have never been purchased), the down payment ratio shall not be less than 30% according to the national policy.
2. There is no loan record for a suite, and a loan record has been paid off.
Households with housing loan records, but no housing when applying for loans, apply for commercial personal housing loans to purchase ordinary housing with a down payment of 50%.
For households that own/kloc-0 apartments but have no record of housing loans or whose corresponding housing loans have been settled, the down payment ratio for applying for commercial personal housing loans to purchase ordinary housing is 50%.
An apartment loan has not been paid off.
The resident family owns 1 house and the corresponding housing loan has not been settled. The down payment ratio for re-applying for commercial personal housing loans to purchase ordinary housing is 80%.
4. Two or more houses
For households with two or more houses, commercial personal housing loans will be suspended.