The purchase area of real estate cannot exceed 90 square meters. According to the information released by I love my family's real estate portal, the down payment ratio is not less than 20% for families who use provident fund loans for the first time to buy their first home with a building area of more than 90 square meters, or families who purchase affordable housing according to regulations. For families who purchase the first home with a building area of more than 90 square meters, the down payment ratio shall not be less than 30%, and the provident fund loan shall be continuously paid 12 months or more.