The down payment ratio of the first commercial housing loan in Guiyang is 20%. In order to further support reasonable housing consumption and promote the stable and healthy development of the real estate market, the down payment ratio of commercial personal housing loans for households to buy ordinary housing is 25% in principle, which can be lowered by 5 percentage points in various places.

In Guiyang, for households with 65,438+housing units and outstanding housing loans, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the down payment ratio should be adjusted to not less than 30%.

In other words, the down payment ratio of the first suite in Guiyang is 30%. In the case of the first suite, the down payment for purchasing a new house with an area of not more than 90 square meters can be 20%. As far as the second suite is concerned, the down payment ratio for purchasing the property is 50%. In the case of three suites, banks that need loans cannot lend according to the housing price.