Legal subjectivity:

1. According to national regulations, as a family unit, as long as it is the first house, the down payment cannot be less than 30% of the total house price. For example, if you want to buy a house worth For a house worth 1 million yuan, the down payment must be at least 1 million * 30% = 300,000 yuan. 2. The above mentioned algorithms are all for the first home. When purchasing a second home (on a family basis), the loan down payment ratio must not be less than 50%. For example, for a house with a total price of 1 million yuan, the down payment must be at least 1 million yuan*50 %=500,000 yuan. 3. When buying a new house, the down payment is calculated based on the proportion and loan amount. If you buy a second-hand house, you need to negotiate the down payment with the homeowner, as long as it is not lower than the down payment ratio for house purchase (≥30%). 4. Some real estate developers, in order to attract customers to buy houses, also offer down payment discounts. For example, if the proportion of at least 30% stipulated by the state cannot be changed, the developer will advance part of the money for you to book a house first. Legal objectivity:

Article 5 of the "Notice of the General Office of the State Council forwarding the opinions of the Ministry of Construction and other departments on adjusting the housing supply structure and stabilizing housing prices" shall appropriately adjust housing consumption credit policies in a differentiated manner. In order to curb the rapid rise in housing prices, starting from June 1, 2006, the down payment ratio of personal housing mortgage loans shall not be less than 30%. Taking into account the housing needs of low- and middle-income people, the down payment ratio of 20% is still required for those who purchase self-occupied houses with a floor area of ??less than 90 square meters.