Hello, what is the down payment ratio of Pingyang mortgage loan? The down payment ratio of Pingyang mortgage loan is 20%. According to Pingyang's new real estate policy, in Pingyang, the minimum down payment ratio is 20% for households who apply for commercial loans for purchasing ordinary commercial housing or second-hand housing for the first time. For medium and long-term mortgage loans, innovative loan methods such as repayment of principal and interest within the first three years can be adopted as appropriate. The minimum down payment for commercial personal housing loans to buy a second home is 30%.