The down payment ratio of the first suite commercial loan in Guiyang is 20%. In order to further support reasonable housing consumption and promote the stable and healthy development of the real estate market, the down payment ratio of commercial personal housing loans for households to buy ordinary housing is 25% in principle, which can be lowered by 5 percentage points in various places.
In Guiyang, for the families who own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they apply for commercial personal housing loans again to buy ordinary housing, and the down payment ratio is adjusted to not less than 30%.
In other words, the down payment ratio of the first suite in Guiyang is 30%. For the first suite, the down payment can be 20% for the purchase of a new house with an area of not more than 90 square meters. For the second suite, 50% down payment is required for the purchase of real estate. For three suites, banks that need loans can't lend according to the housing price.