In the case of China Merchants Bank housing loans (including first-hand buildings and second-hand buildings), the amount/down payment ratio is as follows: the down payment ratio of the first suite is at least 30%, that is, the loan amount does not exceed 70% of the value of the purchased property; (cities that do not implement "purchase restriction" are adjusted to not less than 25%); The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property. Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation!