If you buy a new house, the down payment should reach 20% of the total house price. If you buy a second-hand house, the bank can get a loan of 80% of the evaluation price after the first evaluation. Often, the evaluation price can&;t reach the total house price of the second-hand house, so your down payment can reach 30% to 40% of the actual house price. The down payment depends on the total price of your house, the policies introduced and the measures taken by the bank. It is not fixed. The highest can reach 80%. No matter how cheap the house is, even if the house price near the university town is already 5000, buy a 70-square-meter house with a down payment of about 20W.