Answer: Down payment ratio: (1) If there is no house in this city under the family name and there is no record of housing loan (including commercial housing loan and provident fund loan, the same below), the minimum down payment ratio for purchasing ordinary commodity housing will continue to be implemented when applying for provident fund loan, and the loan interest rate is the benchmark interest rate of provident fund loan.

(2) If there is no house in this city under the family name, but there is a record of settled housing loans, the down payment ratio for purchasing ordinary commodity housing when applying for provident fund loans shall be no less than 40%, and the loan interest rate shall be the benchmark interest rate for provident fund loans.

(3) If the family owns 1 apartment in this city and has no housing loan record, or owns 1 apartment and the loan has been paid off, the down payment ratio for purchasing ordinary commercial housing when applying for provident fund loan shall be no less than 50%, and the loan interest rate shall be 1. 1 times the benchmark interest rate of provident fund loan.

(4) If the family has 1 outstanding housing loans, the down payment ratio of house purchase shall not be less than 70% when applying for provident fund loans, and the loan interest rate shall be 1. 1 times the benchmark interest rate of provident fund loans.

(five) families apply for provident fund loans to buy non-ordinary housing, and the down payment ratio of housing purchase is not less than 70%. If the family has no housing in this city and there is no outstanding housing loan record, the loan interest rate is the benchmark interest rate for provident fund loans. If the family has an outstanding record of 1 house or 1 housing loan in this city, the loan interest rate is 1 times the benchmark interest rate of provident fund loan.

(6) For families who purchase the third and above houses, they will continue to suspend the issuance of provident fund loans.