The minimum down payment ratio of provident fund is 20%. Second Suite: For workers' families who own 1 set of housing and have settled the housing provident fund loan, if the per capita construction area of the existing housing is lower than that of Hulunbeier (currently 32 square meters) or the first housing area is lower than 100 square meters, in order to improve the living conditions, they will apply for housing provident fund loan again to buy ordinary self-occupied housing, and the minimum down payment ratio of the provident fund is 30%.