Legal analysis: at present, the loan policy of Qingdao loan to buy a house is to recognize the house and the loan, and investigate the number of housing units in Qingdao and the number of outstanding loans nationwide. The minimum down payment ratio of the first loan is 30% of the total house price, and that of the second loan is 40% of the total house price.

Legal basis: Article 3 of the Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities implements a stricter differentiated housing credit policy. For families (including borrowers, spouses and minor children, the same below) who purchase the first set of self-occupied housing with a construction area of more than 90 square meters, the down payment ratio of loans shall not be less than 30%.