1. Mortgage ratio If the lender regrets renting the first home and chooses a provident fund loan, the minimum down payment ratio of the provident fund loan is 20; if the lender chooses a commercial loan, the minimum down payment ratio is 30. If a borrower purchases a second home, according to the latest policy, the down payment ratio will be adjusted to a minimum of 40%. 2. Mortgage amount According to regulations, when a user applies for a mortgage at a bank, the mortgage amount that can generally be applied for is about 70% of the assessed house price. However, generally speaking, the bank's appraisal price is lower than the market price. Things to note when buying a house 1. Understand the history of the house. When was this house built? What is the land use period? Who has lived in the source before; whether the original owner used the house for purposes other than living; whether anything bad happened in the house, etc. , it is best to understand these issues clearly in advance, so that we can get to the bottom of things. 2. Find out the property rights of the house. Checking the property title is the key to closing the deal, so first check the integrity and reliability of the property title, especially.