Specific standards need to refer to local policies in Laiyang. At present, according to relevant regulations, citizens can still apply for provident fund loans when purchasing a second set of commercial housing (residential). Employees use housing provident fund loans to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.