Employees working in Shenzhen apply for provident fund loans, and the down payment ratio is limited. What is the minimum down payment ratio? The down payment ratio of the first and second suites of the provident fund is different. Then, what is the down payment ratio of 20 16 Shenzhen provident fund loan? 1. If an employee's family deposits a housing provident fund loan to purchase the first set of ordinary self-occupied housing, the down payment ratio is 20%, and the expected annualized interest rate of the loan is the expected annualized interest rate of the personal housing provident fund loan benchmark; 2. The housing provident fund that owns 1 house and has settled the housing provident fund loan is paid to the employee's family, with the purpose of improving the living conditions, the down payment ratio is 30%, and the expected annualized interest rate of the loan is twice the expected annualized interest rate of the personal housing provident fund loan benchmark; 3. A family cannot apply for two provident fund loans at the same time. If the provident fund loan has been used once, it must be settled before applying for the provident fund loan again.