Legal analysis: According to national regulations, the low down payment ratio of the second home loan is not less than 40%. Other cities make appropriate adjustments according to their own conditions. According to documents such as Yinfa [2015] No.305 and Yinfa [2016] No.26, the minimum down payment ratio for the first house purchase and the first suite in cities with purchase restriction measures is not less than 30%, and the minimum down payment ratio for the second suite is not less than 40%. The relevant differentiated housing credit policies are as follows: 1. For households with housing loan records but actually no housing when applying for loans to buy houses, when applying for commercial personal housing loans to buy ordinary housing, the minimum down payment ratio of households with a set of housing but no housing loan records or households whose corresponding housing loans have been settled shall not be less than 30%. 2. If a resident family owns a house and the corresponding purchase loan has not been settled, the minimum down payment ratio for re-applying for a commercial personal housing loan to purchase ordinary housing shall not be less than 40%. 3, for families with two or more houses, suspend the issuance of commercial personal housing loans.

Legal basis: Notice of Zhuhai Municipal People's Government Office on Forwarding Several Opinions of the Municipal Housing and Urban-Rural Planning and Construction Bureau on Further Promoting the Stable and Healthy Development of the Real Estate Market in Zhuhai and Implementing the Policy of Restricted Purchase and Differentiated Housing Credit. (1) From now on, this Municipality will implement the housing purchase restriction policy and suspend the sale of ordinary houses with a building area of 1.44 square meters or less to the following types of households: households with three or more households registered in this Municipality; 1 non-local registered households with more than one set; Non-local registered households who cannot provide proof of personal income tax or social insurance for more than 1 year in this city before the date of purchase. (2) According to documents such as Yinfa [2015] No.305 and Yinfa [2016] No.26, the minimum down payment ratio for first-time home buyers and first suites in cities where purchase restriction measures are implemented is not less than 30%, and the minimum down payment ratio for second suites is not less than 40%. The relevant differentiated housing credit policies are as follows: when a resident family purchases an ordinary house for the first time (referring to a house that has never been purchased), according to the national policy, for a resident family that has a record of buying a house loan but actually has no house when applying for a loan to buy a house; When a resident family who owns a house but has no housing loan record or whose corresponding housing loan has been settled applies for a commercial personal housing loan to buy an ordinary house, the minimum down payment ratio shall not be less than 30%. If a resident family owns a house and the corresponding purchase loan has not been settled, the minimum down payment ratio for re-applying for a commercial personal housing loan to purchase ordinary housing shall not be less than 40%. Commercial personal housing loans will be suspended for households with two or more houses.