For commercial personal housing mortgage loans that purchase ordinary housing for the first time (no housing purchase and no loan record), the down payment shall be at least 30%; Three situations: one household has no room when applying for a loan, but has a record of buying a house loan; One household has no housing loan record; Families who purchase houses and have repaid the corresponding housing loans will be adjusted to 40% according to the minimum down payment ratio when purchasing ordinary houses.

For households with existing mortgage loans and then applying for commercial housing mortgage to buy ordinary housing, the low down payment ratio is not less than 60%; For households with two or more houses, the third and above housing loans will be stopped.

The preconditions for individual employees to apply for policy-based housing mortgage loans are: l, holding urban residents' housing;

2. Pay the housing accumulation fund in full and on time within one year;

3, with the purchase and construction of owner-occupied housing contract or related certification materials;

4. Have a stable economic income and be able to pay the required interest;

5. Agree to use self-purchased and self-built houses as collateral, and provide loan guarantee, mortgage and pledge in accordance with relevant regulations.

When employees apply for policy-based housing mortgage loans, they need to submit the following materials: l. Apply for loans;

2. The borrower's ID card and household registration book;

3, the purchase and construction of owner-occupied housing contract or other relevant documents;

4, the relevant departments approved the construction of housing related certification materials;

5. The borrower unit provides proof that the borrower's family income is in good condition.

6. Proof that 30% of the borrower's own funds for the purchase and construction of houses are in place;

7. The borrower opens a loan account in the bank housing department designated by the lending institution;

8. Other materials and documents required by the lender.

The specific lending process is: 1. The borrower applies for a loan from the Housing Provident Fund Administration, submits the above materials, and completes the loan approval;

2, according to the national annual plan for the use of housing funds, housing fund management, housing provident fund payment and other requirements, the borrower's credit audit;

3. The borrower handles the mortgage registration and insurance of the collateral;

4. The Borrower and the Trustee * * * sign the House Mortgage Contract;

5. Entrust the bank to be responsible for issuing loans and transfer the loans to the loan account opened by the borrower.