The policy of 20% down payment for the first suite does exist, but it does not apply to commercial bank loans. Property buyers need to meet two conditions. 1. The housing area is less than 90 square meters. In addition, they must ensure that all the remaining housing loans are repaid with the provident fund.

The "Term and Amount of Tianjin Housing Provident Fund Loan" clearly states that a 20% down payment can be made for the purchase of "the first house below 90 square meters". At present, the policy implemented by the Municipal Housing Provident Fund Management Center is "employees' families (including employees, spouses and minor children, the same below) borrow money to buy the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing), and the construction area of the purchased housing is below 90 square meters (including 90 square meters), and the loan amount does not exceed 80% of the purchased housing price; The construction area of the purchased house exceeds 90 square meters, and the loan amount does not exceed 70% of the purchase price of the house. "