According to the relevant regulations of Shenzhen, citizens can still apply for provident fund loans when purchasing a second set of commercial housing (residence). Employees use housing provident fund loans to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%. Employees applying for provident fund portfolio loans must also comply with the credit policies of commercial banks, and the down payment ratio shall not be lower than that stipulated by commercial banks.