If the housing loan (including the first-hand building and the second-hand building)/down payment ratio is handled through our bank, the provisions are as follows:

1. For the first suite, the minimum ratio is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction")

2. For the second suite, the minimum ratio is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.

Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation.