Only when buying a new house and meeting the conditions of provident fund loans, the minimum down payment is 20%, and when buying a second-hand house, the down payment is still not less than 40%.

Policy sources

From September 20 15 1 day, the minimum down payment ratio of the first-home provident fund loan was reduced from 30% to 20%, and the minimum down payment ratio of the second-home provident fund loan was reduced from 60% to 20%. The down payment ratio of second-hand housing loans will not be adjusted.