The down payment is 60%, and the loan interest rate is 1. 1 times of the benchmark interest rate. Use the housing provident fund personal housing loan 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%. The second set of housing provident fund personal housing loan is only provided to the paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loan is limited to buying ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period. Stop issuing housing provident fund and individual housing loans to paid workers' families who buy third and above houses.