The down payment ratio of second-hand housing mortgage loans in 2017 is as follows:

1. The down payment for the first home in non-purchase-restricted cities is 20, and the down payment for the second home is 30-40.

2. In cities with purchase restrictions, the down payment for the first home is RMB 30; if the first loan for buying a second home has been paid off, the down payment is RMB 30; the unpaid down payment is RMB 40-70.

You can apply for a mortgage loan to buy a second-hand house. Generally, you should meet the following conditions:

1. Have legal documents, that is, have legal citizenship;

2 . Have good personal credit and the ability to repay the principal and interest of the loan;

3. Agree to use the house purchased as collateral for the bank;

4. The house purchased The property rights should be clear and can enter the real estate market;

5. The house purchased is not within the scope of the demolition announcement;

6. It is necessary to open an account with China Construction Bank and deposit sufficient down payment. ;

7. Do not have any bad credit record when applying for a loan;

Of course, in addition to the points mentioned above, the applicant must also meet other requirements stipulated by the bank. conditions, otherwise it may also be rejected.