At present, the mainstream of the first home loan policy in most areas is 30% down payment, and the benchmark interest rate for loans is 6.55% for loans over five years;

Second, provident fund loans.

For families who purchase the first self-occupied housing with a construction area of less than 90 square meters (including 90 square meters), the down payment ratio of housing provident fund loans shall not be less than 20%; For families who purchase the first set of self-occupied housing with a floor area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%.

Generally speaking, according to the existing implementation standards of the first suite, the down payment ratio of new house commercial loans is 30%, the down payment ratio of first suite provident fund loans is less than 20%, and the down payment ratio of more than 90% housing provident fund loans is not less than 30%.

For reference only, hope to adopt!