Legal analysis: if you use the housing provident fund loan to purchase the first set of ordinary self-occupied housing, the down payment ratio is 20%. If a family with 1 apartment who has settled the housing provident fund loan applies for housing provident fund loan again to buy ordinary self-occupied housing in order to improve their living conditions, the down payment ratio is 30%.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.