Legal analysis: for the first time to buy a house, the minimum down payment is 20%; For the second provident fund loan, the minimum down payment ratio is 50%.

Legal basis: Article 8 of Suzhou Housing Provident Fund Personal Housing Loan Management Rules issued by Suzhou Provident Fund Management Center applies for provident fund loan for the first time, and the down payment ratio shall not be less than 20% of the total housing price; For the second provident fund loan, the down payment ratio shall not be less than 50% of the total house price.