At present, in Suzhou City (including Wujiang District), Kunshan City and Taicang City, households purchase ordinary housing for the first time and apply for commercial personal housing loans. According to the state's differentiated housing credit policy for "restricted cities", the minimum down payment ratio is not less than 30%; For households with housing loan records, but no housing when applying for loans, and 1 apartment, but no housing loan records or corresponding housing loans have been settled, the minimum down payment ratio for applying for commercial personal housing loans to purchase ordinary housing is adjusted from not less than 30% to not less than 50%; For those who own 1 apartment and the corresponding housing loan is not settled, the minimum down payment ratio for re-applying for commercial personal housing loan to purchase ordinary housing will be adjusted from not less than 50% to not less than 80%; For households with two or more houses, commercial personal housing loans will be suspended.