Legal analysis: the down payment ratio of Hefei provident fund loan is not less than 20% of the house price. The down payment of the first set of housing provident fund loans should be no less than 20% of the house price, and the down payment of the second set of housing provident fund loans should be no less than 20% of the house price, and the loan interest rate should be 1. 1 times the loan interest rate of the first set of housing provident fund loans in the same period; When purchasing a second-hand house with the age of 10, the down payment ratio shall not be less than 20% of the house price, and when purchasing a second-hand house with the age of 10 and less than 20 years, the down payment ratio shall not be less than 30% of the house price.

Legal basis: "Regulations on the Management of Housing Provident Fund" Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund: (1) Formulate and adjust specific measures for the management of housing provident fund according to relevant laws, regulations and policies, and supervise the implementation; (two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund; (three) to determine the maximum loan amount of housing provident fund; To examine and approve the plan for the collection and use of housing provident fund; (five) to consider the housing provident fund value-added income distribution plan; (six) to review and approve the report on the implementation of the plan for the collection and use of housing provident fund.