The down payment ratio for second-hand housing loans in 2014 is related to whether the house is the first or second home of the home buyer’s family. The minimum down payment for a first home loan is 30%, and the minimum down payment for a second home loan is 60% to 70%. Regarding the down payment ratio for second home loans, the situation varies in different regions. In cities such as Beijing, Shanghai, Guangzhou, Shenzhen, and Xiamen, the minimum down payment requirement for second-home loans is 70%, while in cities such as Chengdu, the minimum down payment is still 60%.