1. Take the first suite as an example, the minimum down payment for a new house with a purchase area of not more than 90 square meters can reach 20%;

2. For the second suite, the minimum down payment for the purchase of real estate is 50%;

3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price;

4. In other cases, the minimum down payment is 30%.

The second suite is clearly defined as "individual". According to the detailed rules, the bank will examine the property of the buyers one by one. As long as there are outstanding mortgage records in the central bank's credit information system, it is regarded as a second suite. In addition, even if the buyer has paid off the loan and the buyer borrows to buy a house, China Merchants Bank can be regarded as a second home loan. That is to say, the interest rate is 1. 1 times of the benchmark interest rate based on the down payment of 40%. However, if a family has borrowed money to buy a house in the name of her husband, then the wife or children can apply for a loan to buy a house again. If their names are not in the central bank's credit information system, they are not subject to the above restrictions.