The minimum down payment requirement for second-hand housing loans is comprehensively calculated according to the transaction price of second-hand housing in different regions and different banks, loan amount, housing age and other factors. Generally speaking, for the first set of second-hand houses, the down payment ratio of mortgage loans is at least 30%, and the loanable ratio is 70%. For second-hand houses with two houses, the down payment ratio of mortgage loans is not less than 70%. And it should be noted that the loan interest rate is generally 6.55%.