除此以外，工商银行以及邮政银行也纷纷降低了首付比例，只要无购房记录、征信无贷款记录，且房屋面积大于60平方米即可享受最低首付比例2成的政策。
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For many people, "the central MOM" issued the most beneficial rule as the Notification on the Relevant Issues Concerning the Adjustment of Housing Loan Policy at the eve of Spring Festival, stipulating that in cities that not implement "restriction" measures, first down-payment down to 25%, and float down to 5%, the down payment of second home falls from 40% to 30%. With nearly half a month after the new policies, how is the implementation in banks of Hangzhou?
据了解，目前杭州已有6家银行开始执行新政，首套房首付比例下调至最低2成。但不少银行对于个人的征信记录、工作单位、房屋面积和房屋总价有着严格的要求。
电子信箱：184042016@qq.comStaff from credit Department of Bank of China said people who meet the conditions such as "no purchase or loan records", the purchase area between 60 square meters and 140 square meters and housing price of less than 5 million Yuan, and the first down-payment requirements can apply to be 20%. Of course, without any of the conditions, the minimum down payment will be required float upwards 5%~10%. As well as the second homes, people who satisfy the relevant conditions with good credit record can apply for 30% of the down payment in BOC.
来源： 中国网综合 | 作者：中国网综合 | 责编：俞舒珺
对很多人来说，春节前夕“央妈”给的最大“红包”即《关于调整个人住房贷款政策有关问题的通知》的发布，规定在不实施“限购”措施的城市，首套房首付款比例降至25%，并可向下浮动5个百分点，二套房首付比例也从原先的4成降至3成。距离新政策的出台已经过去了近半个月，杭州各家银行的执行情况如何? In addition, the ICBC and CPBC have also reduced the down payment that as long as no purchase or loans records, and houses bigger than 60 square meters can enjoy the minimum down payment policy of 20%.(作者：赵皓月综合报道/吴东东译) It is understood that Hangzhou currently has 6 banks began implementation of the new policy, first home down payment down to a minimum of 20%. However, quite a number of banks have strict requirements for the credit records of individuals, work units, housing areas and housing price. 中国银行信贷部的工作人员表示，若满足“无购房、贷款记录”，，购房面积在60平方米以上140平方米以下，房屋总价500万元以内的，则首套房首付比例可申请为2成。当然，如果有一项条件不满足，则最低首付比例需向上浮动5%~10%。二套房也类似，满足相关条件，且征信记录良好，则在中行可申请3成的首付比例。
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