Non-Shanghai citizens who want to buy a house in Shanghai need to be married and form a family, and must pay social security and tax bills for more than 5 years. As for the down payment ratio, if you have a mortgage record in other cities, it is a second home loan. According to the policy, the down payment for ordinary houses is calculated as a minimum of 50%, and the down payment for non-general houses is calculated as a minimum of 70%.