Not necessarily. Requirements for the down payment ratio of the first home mortgage: the down payment ratio of the provident fund loan is not less than 20% for the first home with 90 square meters or more, and the down payment ratio of the housing provident fund loan with 90 square meters or more is not less than 30%. The down payment ratio of the first suite commercial loan is 30%, and the interest rate of commercial loan to buy a house rises. Deed tax requirements for the first suite: the purchase area of the first suite of the family is 90 square meters or less, and the deed tax is1%; The purchase area is over 90 square meters, and the deed tax is 1.5%.

What is the down payment ratio of provident fund loans?

According to the regulations of the relevant state departments, if you purchase the first self-occupied house with a construction area of no more than 90 square meters, you must pay 20% of the house price as the down payment. For the purchase of the first self-occupied house with a building area of over 90 square meters, the down payment is required to pay 30% of the house price.

When buying a second house, the down payment is 50% of the house price. At the same time, the loan interest rate rose by 10% on the basis of the first set of basic interest rates.

It should be noted that whether it is the second house or not should be confirmed according to the results of the rounds of the relevant departments of housing management. The specific situation shall be subject to the regulations of relevant departments.