1. The down payment of a loan generally depends on the bank. The bank has rules. The housing purchased by loan (note that it is residential, and other housing does not refer to this specification) is 20% down payment below 90 square meters, and not less than 30% over 90 square meters, and is limited to the first family housing. If it is the second set or above, the down payment ratio will increase accordingly.

2. If you have a very normal credit record in the bank [car loan, credit card], the bank will customize you as a customer! In addition, the house you buy is a small apartment (small apartment below 96 square meters), with a down payment of 20%. You can apply for a loan from the bank! On the contrary, if you can't be identified as a customer [with no bad record, but have been urged to borrow] and you buy an extraordinary house [143 square meter large apartment], your down payment may be increased to 40%!

3, the unit housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee, audited by the people's government at the corresponding level and approved by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government. The monthly deposit base of urban individual industrial and commercial households and individual workers' housing provident fund is calculated according to the average monthly income of the depositor in the previous year.