According to the current purchase restriction policy in Suzhou, universities and enterprises in Suzhou can buy houses in Suzhou, and they can have up to three sets of residential projects in Suzhou under their names. The down payment ratio should be determined according to the real estate situation and loan record in your child's name. If your child has no real estate in Suzhou for the time being and has no residential loan record, you can get a loan with a minimum down payment of 30%. If there is no economic income, parents can be co-payers.