The down payment ratio of new houses and second-hand houses in Nanjing is divided into commercial mortgage loans and provident fund loans. The specific ratio is as follows:

First, commercial mortgage loans to buy a house.

1. When the buyer purchases the first house with a commercial mortgage loan, the minimum down payment ratio is 30% and the loan ratio is 70%.

2. When the buyer purchases two or more houses with commercial mortgage loans, the minimum down payment ratio is 50% and the loan ratio is 50%.

The second is provident fund loans.

1, the minimum down payment ratio is 20% and the loan ratio is 80% for the buyer's provident fund loan to purchase the first house.

2. The minimum down payment ratio of the buyer's provident fund loan to buy two houses is 40%, and the loan ratio is 60%.

3. The buyer cannot use the provident fund loan to buy more than three houses.