Down payment: the first suite of commercial housing is not less than 30% of the total purchase price, and the second-hand housing or state-owned land-based housing is not less than 40% of the total purchase price; The second suite is not less than 60% of the total purchase price, and the loan interest rate rises10%; The down payment for the purchase of affordable housing shall not be less than 20% of the total purchase price.

If the borrower's family (borrower, spouse and minor children, the same below) is under any of the following circumstances, the second set of housing loan policy shall be implemented:

(1) Apply for using loans (including personal housing provident fund loans and commercial personal housing loans, the same below) for the first time to buy self-occupied housing, and the family has registered complete housing in the housing registration information system (including the online filing system of commercial housing sales contracts, the same below) where the house is to be purchased;

(2) the housing loan has not been settled, and the applicant applies for a loan to purchase an owner-occupied house;

(3) The undertaking bank or provident fund center is convinced that the borrower's family has housing by inquiring about credit records, interviews and other forms of investigation.

The month after the employee's family pays off the first provident fund loan, they can apply for the second provident fund loan, and stop issuing provident fund loans to the employee's family who has applied for provident fund loans to buy a house for more than three times (inclusive).