1. For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a building area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%;

2. For families who purchase a second home by loan, the down payment ratio of the loan shall not be less than 60%, and the interest rate of the second home loan shall not be less than 1. 1 times of the benchmark interest rate;

3. For the purchase of third and above houses by loans, the down payment ratio and loan interest rate should be greatly increased, which shall be determined by commercial banks independently according to the principle of risk management.

Personal housing mortgage loan conditions:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. The self-raised funds of more than 20% of the total price of the purchased house are guaranteed to be used to pay the down payment of the purchased house;

4. Use assets recognized by the bank as collateral or pledge, or use units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.