The down payment ratio of first-hand and second-hand housing loans is the same, as follows: 1. Commercial loan: for the first suite, the minimum down payment ratio is 30%; For more than two sets, the minimum down payment ratio is 40.2%; Provident fund loan: for the first suite, the minimum down payment ratio is 20%; The minimum down payment ratio for the second suite is 50%, and loans are not allowed for the third suite.

Second-hand housing loan refers to the loan business in which the buyer uses the house traded in the secondary housing market as collateral, applies for a loan from the bank to pay the purchase price, and then the buyer pays the principal and interest to the bank in installments.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second-hand housing transactions refer to those that have been registered in the real estate trading center, completed the initial registration and general registration, and listed again. Second-hand housing transaction is a very active phenomenon in Beijing, Shanghai, Shenzhen and other big cities, with considerable development prospects.

Second-hand housing is relative to the commercial housing in the hands of developers, and it is commonly known as the secondary market of real estate property rights transactions, including commercial housing, second-hand public housing (housing reform housing) that allows listing transactions, poor housing, demolition housing, self-built housing, affordable housing, price-limited housing and so on.