If your family has no house in Beijing (the loan record has been paid off), it is the first set. Beijing 930 New Deal: The down payment ratio of the first set of ordinary self-occupied housing in Beijing is not less than 35%, and the down payment ratio of the first set of non-ordinary self-occupied housing is not less than 40% (except for self-occupied commercial housing and two-bedroom housing). For households with 1 apartment, if they apply for a commercial personal housing loan again to buy ordinary self-occupied housing in order to improve their living conditions, the down payment ratio shall not be less than 50% regardless of the loan record; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.