1. Guangzhou housing loan policy in 2022.

1. If there is no house and no housing loan (including commercial housing loan and provident fund housing loan, the same below) in Guangzhou under the name of the resident family, the down payment ratio of the house purchase is 30%.

2. If there is no house in Guangzhou under the name of a resident's family, but there is a record of housing loan, the down payment ratio for purchasing ordinary commodity housing shall be no less than 40%, and the down payment ratio for purchasing non-ordinary commodity housing (greater than 144_) shall be no less than 70%.

3. If a resident family owns 1 apartment in Guangzhou and has no loan record, or owns 1 apartment and the loan has been paid off, the down payment ratio for purchasing ordinary commodity housing shall not be less than 50%.

4. If a resident family owns 1 apartment in Guangzhou and the loan has not been paid off, the down payment ratio for purchasing ordinary commodity housing shall not be less than 70%.

5. Residents own 1 apartment in Guangzhou, and the down payment ratio for purchasing non-ordinary commodity housing (144 _) is not less than 70%.

6. If there are 2 suites, or there are more than 2 outstanding mortgage records on the credit report, the loan will be suspended. The longest term of commercial loans is 30 years, and the longest term of provident fund loans is 20 years.

7. The standard for identifying the first suite in Guangzhou refers to the scope of Guangzhou, and the loan identification refers to the whole country.