First, in cities that do not implement the "purchase restriction" measures, households purchase commercial personal housing loans for ordinary housing for the first time. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%.
For cities that implement the "purchase restriction" measures, the individual housing loan policy is still implemented according to the original regulations.
Second, on this basis, the agencies of the People's Bank of China and the China Banking Regulatory Commission should strengthen communication with local governments in accordance with the principle of "classified guidance and local policies", and guide the self-discipline mechanism of interest rate pricing in provincial markets to independently determine the minimum down payment ratio of commercial personal housing loans within their respective jurisdictions in light of the actual conditions of various cities.
Third, banking financial institutions should reasonably determine the specific down payment ratio and interest rate level according to the borrower's credit status and repayment ability, in combination with the minimum down payment ratio requirements determined by the provincial market interest rate pricing self-discipline mechanism, the institution's commercial personal housing loan placement policy, risk prevention and control and other factors.
Fourth, the minimum down payment for an individual first suite can be 20%; The minimum down payment for the second suite is 40%, and the floating range of the loan interest rate is adjusted according to the personal credit information of the buyers and the bank's own policies.