According to the current national regulations, the down payment for second-hand houses can be 20% of the total house price, and commercial loans and provident funds can be as high as 20%. However, banks will review personal reputation and other aspects. If it's not illegal, it shouldn't be a problem. If it is not the first home, it is not a problem. You can find the staff of the bank credit department to help you check. At present, the state stipulates that the total house price can be 20%, and commercial loans and provident funds can be more than 20%. But banks will review personal reputation and other aspects. If it is not an illegal household, it should not be a problem. If they are not the first home, this should not be a problem. You can find the staff of the bank credit department to help you check. There is no need to pay a 20% down payment. If you can't get the loan, you have to make up 30%. There are many kinds of loans to buy a house, including provident fund loans and commercial loans. Before making a loan, you need to know how much money is in your provident fund account and how much money your unit gives you every month. Only by knowing your own situation can you get a loan. Provident fund is a kind of welfare for employees, and the loan interest is much lower than that of commercial loans. Commercial loans can generally be combined with provident fund to make a portfolio loan. If you want to borrow a lot, but your provident fund balance is not much, you can combine loans at this time.

Legal objectivity:

In the Notice on Standardizing the Second Set of Housing Identification Standards for Commercial Personal Housing Loans, the lender shall implement the second set of differentiated housing credit policies for the borrower under any of the following circumstances: (1) The borrower applies for using the loan to purchase a house for the first time, and his family has registered one or more houses in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased; (two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing; (3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary). The Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities implements a stricter differentiated housing credit policy. For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. The People's Bank of China and the China Banking Regulatory Commission should guide and supervise commercial banks to strictly manage housing consumption loans. The Ministry of Housing and Urban-Rural Development shall, jointly with the People's Bank of China and the China Banking Regulatory Commission, promptly formulate the standards for the identification of the second set of housing.