What you want to ask is that the margin ratio of personal first-hand housing loans cannot be lower than that of commercial housing loans. The deposit ratio of individual first-hand housing loans shall not be lower than that of commercial housing loans, which means that banks require buyers to provide a certain proportion of deposits when purchasing self-occupied housing to avoid personal loan risks. According to relevant laws and regulations, when individuals buy non-commercial housing, the bank requires a higher deposit ratio than when buying commercial housing. The specific proportion varies from bank to bank.