For families who own 1 apartment and the corresponding housing loans are not settled, if they apply for commercial personal housing loans to buy ordinary self-occupied housing again to improve their living conditions, the minimum down payment ratio will be adjusted to not less than 40%.

Before the adjustment: the down payment ratio of the second suite is 60%, and that of the north, Guangzhou and Shenzhen is 70%.

① Before that, the down payment ratio of the second suite was 60%, and that of the second suite in Beishangguangshen and Shenzhen was 70%.

② Previous housing provident fund loan policy: if the first set of ordinary self-occupied housing loans is less than 90 square meters, the minimum down payment ratio is 20%; The minimum down payment ratio of more than 90 square meters is 30%.