If the buyer is buying a house for the first time and has a good personal credit, the minimum down payment for second-hand housing loans is 20%, and the loan can be 80%; Generally, second-hand houses will take a 30% down payment.

Second-hand housing repayment method:

1. One-time repayment of principal and interest: one-time repayment of loan principal and interest at maturity (loans within one year only).

2. Equal principal and interest by installment: repay the loan interest monthly within the grace period (up to 3 years), and repay the loan principal and interest by equal principal and interest repayment after the grace period.

3. Staged average capital: repay the loan interest on a monthly basis within the grace period of the loan (up to 3 years), and repay the loan principal and interest according to the repayment method of average capital after the grace period.

4. Matching principal and interest: within the loan term, the loan principal and interest will be repaid in equal amount every month.

5. Average capital: the monthly repayment principal remains unchanged during the loan period, and the interest is calculated according to the remaining principal of the previous month.