if the purchaser's family borrows for the first time to purchase ordinary commodity housing, the down payment ratio shall not be less than 3%; If there is an outstanding housing loan under the name of the purchaser's family, the down payment ratio shall be no less than 6%, and if the purchaser applies for a loan to buy an ordinary commodity house, the down payment ratio shall be no less than 7%.
when employees' families apply for housing provident fund loans for the first time to purchase houses, the down payment ratio of housing construction area below 9 square meters shall not be less than 2%, and the down payment ratio of housing construction area above 9 square meters shall not be less than 3%, and the loan interest rate shall be subject to the benchmark interest rate of provident fund loans; The second application for housing provident fund loan to buy a house, the down payment ratio is not less than 5%, and the loan interest rate is 1.1 times the benchmark interest rate of provident fund loan; Stop issuing housing provident fund loans to employees' families who apply for housing provident fund loans for the third time or more.