The calculation method of down payment for buying a house is:

Down payment = total house price-customer loan amount.

Loan amount = contract price (market price) ×80% (the first loan amount can be up to 80%).

Generally speaking, according to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new housing is 30%, the down payment ratio of provident fund loans for the first suite below 90㎡ (inclusive) shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90㎡ shall not be less than 30%.