The down payment for buying a house in New Zealand is generally as follows: 1. Commercial loans At present, the mainstream of the first home loan policy in most parts of New Zealand is still the down payment of 30%, and the benchmark interest rate of the loan is 6.55%. Two, provident fund loans to buy the first set of self-occupied housing and Xing Tao construction area of 90 square meters (including 90 square meters) of the following families, housing provident fund loans down payment ratio of not less than 20%; For families who purchase the first self-occupied housing with a construction area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%. Generally speaking, according to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new houses is 30%, the down payment ratio of provident fund loans for first suites below 90㎡ (inclusive) shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90㎡ shall not be less than 30%.