Local policies are different, and the down payment ratio is also different. However, at present, the down payment ratio of the first suite of commercial loans in many places in China is 30% or 25%. However, it is worth noting that banks in Heze, Chongqing, Ganzhou, Jiangxi and other places have reduced the down payment ratio of the first home loan to 20% for some eligible buyers, that is, the first home can be down paid by 20%. In addition, if everyone has a housing provident fund and buys a house with a provident fund loan, the down payment will be even lower.

At present, domestic housing prices are very expensive, and many families will handle the business of buying a house loan. But the bank's housing loan policy is very strict. Down payment is not allowed and must be paid in full. When you apply for a loan, you need to show your down payment certificate. In addition, the credit information of the loan applicant must be very good, and there can be no arrears of bank fees. Therefore, everyone must use credit cards reasonably and repay in time.

Reasons for reducing down payment ratio

1, the house threshold has been lowered: after the down payment ratio of the house is lowered, it means that the user's purchase cost is reduced and the purchase threshold is lowered, which means that the user with insufficient funds has reached the purchase threshold again. As a result, the demand for housing in the market may increase, and house prices may rise to a certain extent. Of course, if it is in the restricted purchase area, reducing the down payment ratio is only to ease the economic pressure, and the actual purchase still needs to wait until it meets the qualification for purchase restriction.

2. Increased repayment pressure: a decrease in the down payment ratio means an increase in the loan amount handled by users. When handling housing loans, the longer the loan term and the higher the loan amount, the more loan interest will be generated. Under the same loan term and loan interest rate, users with low down payment have higher monthly payment and more interest than users with high down payment.