According to Hangzhou's purchase restriction policy, the down payment ratio is judged as "recognizing the house and recognizing the loan". House refers to whether the property buyers in Hangzhou have 70 years of property rights, and loan refers to whether there is a loan record of 70 years of property rights nationwide. There are loan records for two suites in the field. To buy another set in Hangzhou, the general bank requires the full amount, regardless of whether the loan is paid off.