Implementing the national policy of reducing the interest rates on existing housing loans, guiding commercial banks to steadily and orderly reduce the interest rates on existing housing loans to be close to the interest rates on new loans, further reducing the interest expenses of home buyers. The minimum down payment ratio for the first set of commercial personal housing loans is adjusted to no less than 15%. The minimum down payment ratio for the second set of commercial personal housing loans is adjusted to no less than 25%; the minimum down payment ratio for the second house loans in differentiated policy areas is adjusted to no less than 20%. The minimum down payment ratio for the second house loans using housing provident funds is adjusted accordingly.
上海：首套住房商业性个人住房贷款最低首付款比例调整为不低于15%
shanghai: The minimum down payment ratio for the first set of commercial personal housing loans has been adjusted to no less than 15%.
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