the minimum down payment for buying a house with a loan is 2%, which means that the down payment ratio of a loan can be adjusted by itself after meeting the minimum standard. For example, in the case of commercial loans, you generally need to pay 3% down payment before you can apply for a mortgage loan from a bank. After meeting the minimum standard, if your economic level is relatively good and you don't want to apply for too many loans, you can consider increasing the down payment.

generally, the minimum down payment is 3% when buying a commercial house for the first time. If you buy a second house, the down payment should be no less than 4% when applying for a mortgage loan. Moreover, the larger the specifications of the city, the higher the down payment ratio of the second suite. In cities like Beijing and Shanghai, the down payment ratio of the second suite has reached more than 6%.

for some people whose personal credit information is not particularly good, in order to improve the pass rate of loans when buying a house, we can also increase the down payment, so that after the amount of loans applied for is reduced, it is easier to approve loans.