(1) If a resident family purchases the first home (that is, there is no home in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 20%.

(2) Under any of the following circumstances, if a household applies for a commercial personal housing loan to purchase an ordinary self-occupied house, the down payment ratio shall not be less than 50%; For the purchase of non-ordinary self-occupied houses, the down payment ratio shall not be less than 40%:1; There is no room in this city but there is a record of commercial housing loan or provident fund housing loan; 2. Own 1 apartment in this city.