The down payment ratio of second-hand housing loans in Shanghai is slightly different for different banks and Shanghai. Among the four major state-owned banks, China Agricultural Bank and China Construction Bank all maintain the loan standard of 30% down payment ratio and 7.05% basic interest rate for the first suite of second-hand houses in Shanghai, and ICBC raises the down payment ratio of second-hand houses in Shanghai. It is understood that at present, ICBC requires at least 50% down payment for the first suite and implements the benchmark interest rate.