If the second-hand house is an ordinary house: the first commercial loan is 65% of the loan evaluation value, and the evaluation value is 85%-90% of the transaction price. The total price minus the loan amount (rounded to ten thousand, not rounded) is the down payment;

If the second-hand house is not an ordinary house: the first commercial loan is 60% of the loan evaluation value, and the evaluation value is 85%-90% of the transaction price. The total price minus the loan amount (rounded to ten thousand, not rounded) is the down payment;

If the second-hand house is a commercial and residential dual-use house: the first commercial loan is 50% of the loan evaluation value, and the evaluation value is 85%-90% of the transaction price. The total price MINUS the loan amount (rounded to ten thousand, not rounded) is the down payment.