What is the general down payment for buying a house in installments: 1. Individuals buy the first house and choose commercial loans, with a minimum down payment of 30%; 2. If an individual purchases more than two houses, the minimum down payment ratio for commercial loans shall be 40%; 3. Individuals buy the first house and choose provident fund loan with a minimum down payment ratio of 20%. 4. Individuals buy more than two houses and choose provident fund loan with a minimum down payment ratio of 30%. 5. Individuals buy non-residential houses with a minimum down payment ratio of 50%.