The down payment is the first advance payment when buying a house. The general amount should be above 30% of the total house price. The general down payment ratio of the first suite is as follows: 1. For families who use provident fund loans for the first time and purchase the first set of housing with a construction area of less than 90 square meters or purchase affordable housing according to regulations, the down payment ratio is not less than 20%; For families who purchase the first home with a floor area of 90 square meters or more, the down payment ratio shall not be less than 30%, and the provident fund loan shall be paid continuously for more than 12 months and still be paid at the time of loan. 2. If a bank loan is used, the minimum down payment ratio is 30% of the total house price. If the second suite is purchased by loan, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; Banks basically do not apply for loans to buy third and above houses.