1. The buyer chooses a commercial loan to purchase a house: 1. The buyer chooses a commercial loan to buy the first house. The minimum down payment ratio is 30% of the house’s appraised price and the maximum loan ratio is 70%; 2. The buyer chooses a commercial loan to buy a second house. For the above houses, the minimum down payment ratio is 50% of the appraised price of the house, and the maximum loan ratio is 50%;

2. Buyer’s provident fund loan to purchase a house: 1. The buyer chooses a provident fund loan to purchase the first home, and the minimum down payment ratio is 50% of the appraised price of the house. 20 of the price, the maximum loan ratio is 80; 2. The buyer chooses a provident fund loan to buy a second house, the minimum down payment ratio is 40 of the house's appraised price, and the maximum loan ratio is 60.