According to Baidu Encyclopedia, the down payment for purchasing a factory with a mortgage loan is not higher than 30% of the total factory price. For high-quality key enterprises, the minimum down payment ratio can be reduced to 20% of the total factory price, and the loan balance period is generally not less than 10 year.

Down payment is the lowest proportion of down payment according to the national proportion when buying a house. Payment can also be higher than this amount, but not lower than this amount, and the rest can be borrowed from the bank.