1. For local people, buying a house for the first time takes the family as the unit, with the first loan and a down payment of 30%. 40% down payment for the second loan. For households that already own two houses and the corresponding housing loans have not been settled, individual housing loans will be suspended, that is to say, the loans cannot exceed three sets. Suspension of housing loans for non-local residents who cannot provide tax payment certificates or social insurance payment certificates for more than 1 year;

2. At present, there are great differences in the calculation of loan down payment between buying a house by loan, buying a new house and buying a second-hand house. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans. Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property.

Legal basis: Article 19 of the Measures for the Administration of Commercial Housing Sales.

According to the valuation of the apartment (unit) of the house for sale, the parties may directly agree on the total price in the contract after field investigation of the house for sale.

For the pre-sale houses priced by units, the real estate development enterprise shall attach the plan of the houses sold in the contract. The plan should indicate the detailed dimensions and specify the error range. When handing over the house, the apartment type is consistent with the design drawings, and the relevant dimensions are also within the agreed error range to maintain the total price unchanged; If the apartment type is inconsistent with the design drawings or the relevant dimensions are out of the agreed error range, and the treatment method is not stipulated in the contract, the buyer may return the house or re-agree the total price with the real estate development enterprise. If the buyer cancels the house purchase, the real estate development enterprise shall be liable for breach of contract.