1, mortgage ratio. If the lender purchases the first suite and chooses the provident fund loan, the minimum down payment ratio of the provident fund loan is 20%; If the lender chooses a commercial loan, the minimum down payment ratio is 30%. If the lender buys a second suite, then according to the latest policy, the down payment ratio will be adjusted to a minimum of 40%.

2. The amount of mortgage loan. According to the regulations, when users apply for a mortgage in a bank, the amount of mortgage they can generally apply for is about 70% of the assessed house price. But generally speaking, the bank's evaluation price is lower than the market price.

The minimum down payment for the second suite is reduced to 40%, and the second-hand house can be exempted from business tax within two years. Following the relaxation of provident fund loans and the joint document issued by the Ministry of Land and Resources, the Ministry of Land and Urban-Rural Development jointly issued a document to stabilize the property market. Recently, a number of ministries and commissions have introduced new easing policies for the property market, and this time the coverage is wider. The minimum down payment ratio of the second home loan is adjusted to not less than 40%, which is 20% lower than the previous period.

Legal basis:

Notice on issues related to individual housing loan policy

Article 1 mentions that for households with/kloc-0 apartments and outstanding housing loans, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied houses, and the minimum down payment ratio should be adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.