Second-hand housing mortgage loans are mainly commercial loans and provident fund loans. The down payment ratio is as follows: 1. The Buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 50% of the appraised price and the maximum loan ratio of 2. The buyer chooses provident fund loans to buy two houses, with the minimum down payment ratio of 40% of the appraised price and the maximum loan ratio of 60%. two