1, the down payment ratio of the first suite in Xuzhou needs to be determined according to the housing area, and the loan within 90 square meters can reach 80%, that is, the down payment ratio is 20%; If the house area exceeds 90 square meters, then the down payment ratio is 30%.

2. For example, if the market price of a house is 2 million and the appraised price is 6,543.8+0.8 million, then 70% of 6,543.8+0.8 million can be borrowed, that is, 6,543.8+0.26 million, and the remaining house price is 2 million-6,543.8+0.26 million = 740,000 as the down payment.

3. Commercial loan is the main way of first home loan in Xuzhou at present. At present, the mainstream of the first home loan policy in most areas is that the down payment still needs 30%, and the benchmark loan interest rate is 6.55%. If you choose provident fund loans, the down payment ratio of family housing provident fund loans with a construction area of less than 90 square meters (including 90 square meters) shall not be less than 20%, and that of families with a construction area of more than 90 square meters shall not be less than 30%.