住房作为不动产，价值巨大，一般家庭靠现有的积蓄难以一次性付清全部购房款，这样就需要向银行申请个人住房贷款，通过银行的贷款支持实现对住房的购买。由于居民收入积累、收入水平和购房价款的不同居民首付款比例和贷款的成数也不同从目前银行的规定来看居民购房首付款的比 Housing as real estate, huge value, the average family rely on existing savings is difficult to pay all the purchase price of a one-time payment, so you need to apply for a personal bank loans to the bank through the bank’s loan support to achieve the purchase of housing. Due to the accumulation of income residents, income levels and the purchase price of different residents down payment ratio and the number of loans is also different from the provisions of the current bank residents to purchase the first payment of the ratio