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Outstanding loans of households buy second homes, the minimum down payment ratio of not less than 40%. At the same time, fund loan policy to make adjustments, the minimum down payment ratio of first-time buyers provident fund loans is 20% of the housing units have been cleared and the corresponding purchase loan deposit employee families to improve their living conditions to apply for housing provident fund loans entrusted again buy ordinary housing, the minimum down payment ratio of 30%. Mortgage Deal in the end to give buyers bring much benefits? Shanghai E-House Real Estate Institute researcher Yan leap to buyers calculations: to set the value of 200 million homes, for example, if the down payment of 70% of first-tier cities in accordance with the previous ratio calculation, the first payment of 140 million yuan, calculated according to the proportion of the New Deal 4 percent down payment, the first payment was reduced to 80 million, which will greatly reduce the amount of down payment buyers. It is noteworthy that, although the first payment significantly reduce the buyers, the mortgage will be a corresponding increase in the purchase cost will be a corresponding increase. In the 20-year commercial loan, principal and interest equal, the latest condition of the reference interest rate of the loan, according to 7 percent down payment calculation, the value of two million houses need bank loans to 600,000 yuan, the total amount of the repayment of 102 million yuan, 1.4 million plus 102 yuan down payment mortgage, the total purchase cost of 242 million yuan. If you follow 4 percent down payment is calculated after the New Deal, need bank loans to 1.2 million yuan, the total repayment of 205 million yuan, the total purchase amount was 285 million. In this regard, Yan Yuejin analysts believe that the seemingly increase in the purchase cost, but behind there is a sum of money in savings. While buyers need to pay 430,000 yuan, but by staging a 20-year payment period, and down payment can pay less 600,000 yuan, taking into account possible inflation and rising housing prices factor in the long term, this is actually reduced buyers into the market and the cost threshold. 'For just needs and improve the type of people who, ability to pay is one of the reasons for restricting the purchase' in the market, Guo Yi, director of Asian high opinion, after the introduction of this policy, the down payment ratio decreased to help improve buyers 's financial leverage, leveraging more housing consumption. Exempt from sales tax to 2 years of age to reduce the burden on home buyers in addition to the proportion of two suites down payment adjustments, real estate sales tax also made corresponding