1. Families who don't have a house in the urban area can enjoy a 20% down payment when they buy a house for the first time in the urban area;

2. For families with existing housing or existing housing, if they buy ordinary commodity housing again, the down payment ratio shall not be less than 30%;

3. For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 50%;

4. If you buy a second suite, the down payment ratio shall not be less than 60%;

5 provident fund loans, the down payment ratio of the first suite of urban families is not less than 20%, and the down payment ratio of the second suite is not less than 40%;

6. Non-registered property buyers in Hangzhou need to pay social security or individual tax for more than 1 year before purchasing urban housing;

7, the husband and wife to buy a house, if one of the husband and wife has bought a house in the urban area before marriage, and then buy a house, it should be implemented in accordance with the urban family purchase policy;

8. For high-level talented families in urban areas, if there is no room in urban areas and they have been given priority in purchasing houses, they can enjoy a 20% down payment for the first suite;

9. For "two-bedroom" families who have no room in the urban area and have given priority to buying houses, they can enjoy a 30% discount on the down payment of the first suite.

The above policies are only applicable to the urban area of Hangzhou. It should be noted that the policy may change, please take the latest policy as the standard.