Legal analysis: the down payment of provident fund loans to buy a house is reduced. Housing provident fund loans to buy a house have lower interest than commercial loans to buy a house, and the down payment ratio is also lower. The down payment ratio of commercial loans decreased. The low down payment ratio for purchasing the first suite through commercial loans is reduced to 25% (city). According to the notice published on the website of the central bank, in some cities, residents who use commercial personal loans to buy ordinary houses for the first time have a low down payment ratio of 25%. The loan policy has been relaxed. The state-owned provident fund loan policy has been relaxed. When calculating the application amount, if the account amount is less than 70,000 yuan, it will be calculated as 70,000 yuan, and the low amount will be increased by 200,000 yuan.

Legal basis: Article 61 of the Law of People's Republic of China (PRC) on Urban Real Estate Management shall apply to the land administration department of the local people's government at or above the county level for registration, and the land administration department of the local people's government at or above the county level shall issue a land use right certificate after verification.

If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.