1. If an individual purchases two or more houses and the first house, whether it is a first-hand house or a second-hand house, the minimum down payment ratio is 30%.

1. Individuals purchase more than two houses and choose provident fund loans;

2. The minimum down payment ratio is 20%

3. Choose commercial loans with a minimum down payment ratio of 40%, commercial loans with a minimum down payment ratio of 30%, provident fund loans, and individuals buying the first home;

Second, the down payment of second-hand houses is related to the first two sets, ordinary houses or non-ordinary houses. Commercial loans need 35% down payment for the first ordinary housing and 40% for the first non-ordinary housing; Two ordinary houses need 60% down payment, and two non-ordinary houses need 80% down payment.

Extended data:

(1) Personal housing loans refer to loans issued by banks with purchased houses as collateral, including mortgage loans for forward houses and existing houses. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount.

(2) Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.

(3) Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.

(4) Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year.