Legal analysis: second-hand housing purchase down payment ratio: 1. Under normal circumstances, the down payment of second-hand housing loans is generally at least 30% of the evaluation price. 2. For the second suite, the minimum down payment for buying a second-hand house is 70%; 3. In the case of three suites, banks that need loans may not issue loans according to the price of second-hand houses; Second-hand housing loan down payment is calculated according to the evaluation price of second-hand housing. Usually, the evaluation price of second-hand houses is mostly 80%-90% of the market value. The older the room, the lower the appraisal price.

Legal basis: Notice of China Banking Regulatory Commission of the People's Bank of China on Relevant Issues Concerning the Adjustment of Individual Housing Loan Policy 1. In cities that do not implement the "purchase restriction" measures, households purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%. For cities that implement the "purchase restriction" measures, the individual housing loan policy is still implemented according to the original regulations.