1. Families with 1 suite apply for individual housing loans to purchase their own houses, and the down payment ratio shall not be less than 50% regardless of the loan records.

2. For families with 1 apartment, the down payment ratio shall not be less than 70% when applying for individual housing loans to purchase non-ordinary self-occupied houses.

3. The down payment ratio of the first ordinary self-occupied house shall not be less than 35%.

4. The down payment ratio of the first set of non-ordinary self-occupied housing shall not be less than 40%.

According to the national loan policy, buyers need to prepare 30% down payment to apply for a loan to buy the first suite, and 60% down payment to apply for a bank housing loan to buy the second suite. However, you can increase the down payment in the following ways:

1. Mortgage loan with collateral. Borrowers can use their own fixed assets as collateral to get loans, and then use the loans to pay the down payment of the house, but you can't borrow too many loans, so as not to cause too much debt and the house can't apply for mortgage repayment.

2. Down payment by installment. One activity that some developers will launch is down payment by installment. The down payment installment means that the purchaser pays part of the down payment according to a certain proportion and signs a loan contract, and then makes up the remaining down payment within a certain period of time. The down payment made by the developer is interest-free, and the customer only needs to sign the relevant contract with the developer, stipulating the installment repayment time and related liability for breach of contract.

3. Choose credit card installment payment. You can apply for a credit card, and you can overdraw it when you pay the down payment. Need to know in advance whether the bank allows the down payment to swipe the credit card. After you pay the down payment on the house with your credit card, remember to repay it on time, so as not to cause overdue repayment, otherwise it will affect your application for a house loan in the future.

4. Choose non-bank institutions to apply for loans. At present, there are many non-bank institutions that can provide down payment loans for houses. You can apply for loans from these financial institutions to pay the down payment on your house. At present, there are some similar products on the market, such as sales companies that cooperate with banks, some sales companies that raise funds to lend by themselves, and some popular P2P platform products (find people who are willing to contribute through the platform and then lend money to buyers).