In cities that do not implement purchase restriction measures, the minimum down payment ratio of commercial personal housing loans for households to purchase ordinary housing for the first time is not less than 25%. For families who own a house and the corresponding housing loan is not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be no less than 40%. At the same time, it must comply with the relevant regulations of the regulatory authorities and banks. (The longest term of credit/single loan shall not exceed 30 years).