1. The down payment ratio of housing provident fund loan refers to the ratio of the house purchase price paid by the buyer to the seller in advance to the total house price. The down payment for house purchase must be prepared by the family, and the difference can be applied for a loan to complete the full purchase.

2. Under normal circumstances, deducting the down payment from the house price is equal to the loan amount. If the down payment ratio is higher, the threshold of housing loan will be higher. At present, the down payment ratio of provident fund loans in our city is 30% for existing houses and mortgaged commercial houses, and 40% for second-hand houses.

Provident fund, usually refers to housing provident fund, and sometimes also refers to company provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

Article 13 of the General Principles of Loans stipulates that the lender shall determine the interest rate of each loan according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.