According to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new houses is 30%, the down payment ratio of provident fund loans for the first suite is not less than 20%, and the down payment ratio of more than 90% housing provident fund loans is not less than 30%. Use the pure provident fund loan to purchase the first suite below 90 square meters, with a down payment ratio of 20%. The down payment ratio for purchasing the first suite (over 90 square meters) with pure provident fund loans is 30%.

Legal basis:

Shanghai housing purchase policy

Article 1 Foreigners can only buy 1 apartment (commercial housing) in Shanghai when they get married.

Article 2 A non-Shanghai registered family is restricted to purchase a Shanghai registered house, but both husband and wife must have paid at least one social security or individual tax for five years or more before the date of purchase.

Article 3 The property of foreigners in other places is not counted, as long as they have no property in Shanghai, they can buy it.