202 1 Shanghai new down payment ratio regulation promulgated! 1. down payment ratio of housing provident fund loan: if the construction area of the first house is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area is more than 90 square meters, the down payment ratio of the loan shall not be less than 30%. 2. Down payment ratio of commercial loans: when a household purchases the first home (that is, when applying for a commercial personal housing loan in the name of a household, the down payment ratio shall not be less than 35%.