The minimum down payment ratio for the family who has no house in this city and has no record of house purchase loan is 25%; There is a house in this city and there is no record of house purchase loan, or there is a record of house purchase loan under the name and the minimum down payment ratio of the corresponding loan has been settled is 3%; There is an outstanding record of house purchase loan under the name, or there are two or more records of house purchase loans under the name and the minimum down payment ratio of the corresponding loans has been adjusted from 4% to 6%; If there are 2 outstanding house purchase loans in the name, they will not be accepted.

The basic conditions for applying for housing provident fund loans:

1. The housing provident fund has been paid in full and continuously for 6 months;

2. Housing consumption, including the purchase of commercial housing, affordable housing and second-hand housing; Construction, renovation and overhaul of housing; Collection of resettlement housing price to make up the difference;

3. Have a certain down payment (self-raised funds);

4. Good credit and the ability to repay the loan principal and interest;

5. Provide recognized guarantee methods, such as mortgage, pledge and guarantee.