The general requirement is 30% down payment and 70% loan, but this is the theoretical value. Generally, the actual transaction price of a house is higher than the evaluation price of the loan bank. For example, if you buy a suite, the actual transaction price is 654.38+00,000 yuan, the bank loan evaluation, or there is a government-guided price limit, and this suite is only worth 900,000 yuan. If your down payment is calculated at 30%, it will be 30% of 900,000, plus the actual price. Look at your problem, your down payment is 70%, which is higher than the minimum down payment ratio. If your credit is not on the bank blacklist, that is to say, your situation is not within the limited loan scope, then it is no problem to borrow more than 30%. I don't know where you come from, and I don't know what your local housing policy is, so you'd better find out more about how much you can borrow from the bank and the bank credit department. I hope the answer can help you.