In cities that do not implement "purchase restriction" measures, the minimum down payment ratio for commercial personal housing loans for households purchasing ordinary houses for the first time is 25% in principle, and can be adjusted downward by 5 percentage points in various locations.

For households that own a house and have an outstanding home purchase loan and apply for a commercial personal housing loan to purchase an ordinary house again in order to improve their living conditions, the minimum down payment ratio will be adjusted to no less than 30%.