The minimum down payment for a loan to buy a house should be more than 20% of the total house price, and there is no fixed amount. The down payment ratio of the first provident fund loan shall not be less than 20% ~ 30%; The minimum down payment ratio for using commercial bank loans is 30% of the total house price; The down payment ratio of the loan to purchase the second suite shall not be less than 60%. Article 5 of the Notice on Several Opinions on Adjusting the Housing Supply Structure and Stabilizing the Housing Price has made differentiated adjustments to the housing consumption credit policy. In order to curb the excessive rise in housing prices, the down payment ratio of individual housing mortgage loans shall not be less than 30% from June 2006. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% is still implemented for those who buy self-occupied housing with a construction area of less than 90 square meters.