The down payment ratio of provident fund loan refers to the lowest proportion of the total purchase price paid by the purchaser for the first time. Of course, it can be higher than this amount, but it cannot be lower than this amount. It is the funds that families must prepare for the down payment of house purchase, and the gap can be applied for a loan to complete the full purchase. Under normal circumstances, deducting the down payment from the house price is equal to the loan amount. If the down payment ratio is higher, the threshold of housing loan will be higher. At present, the down payment ratio of provident fund loans in our city varies according to the nature of the house. Generally, the first-hand house below 90 square meters needs to pay 20% of the total house price, and the second-hand house above 90 square meters needs to pay 30% of the total house price. And you have to pay 50% for two sets. The down payment ratio of provident fund loans is very flexible. The maximum loan for one person is 500,000 yuan, and the maximum loan for both husband and wife is 800,000 yuan, and the loan amount cannot exceed 70% of the total amount.

One thing to note is that we take 15 as an example. If the down payment is 20%, the interest rate of 6. 12% is 23,572.43 yuan more than the interest rate of 5.5 1%. When the down payment is 30%, we only need to pay 20,625.87 yuan more, which is when the down payment is confirmed. Moreover, after the down payment is raised, the less interest needs to be paid every month, which can reduce the repayment pressure of the lender. Therefore, the higher the down payment ratio, the less economic pressure it brings and the more money it saves.

Secondly, it should also be noted that the housing provident fund loan cannot pay the down payment for house purchase, and the total withdrawal of housing provident fund cannot exceed the total payment for house purchase.