1. Commercial loan: In fact, the down payment ratio of the first suite is not fixed, because the down payment ratio of the first suite will vary from place to place, so the down payment ratio of the first suite is also a difficult point to grasp. However, according to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new houses is 30%. In other words, if you want to buy a house with a value of 1 100,000 yuan, then your down payment should be at least1100,000 times 30% equal to 300,000 yuan.

2. Provident fund loan: if it is the first time for a family to buy a house by loan, it can be 80% of the appraised price of the house, and if it exceeds 90 square meters, it can be 70%. It is worth reminding that if the provident fund is not rated, generally speaking, you can only borrow 800,000 yuan, which depends on the amount and proportion of your provident fund deposit.

3. The calculation method of down payment for the first suite is: down payment = total house price-customer loan amount = contract price (market price) multiplied by 80% (the maximum loan amount can reach 80%).

4. Generally speaking, the down payment ratio of provident fund loans for the first suite of 90 square meters and below is not less than 20%, and the down payment ratio of loans over 90 square meters is not less than 30%.