For those certified as the second improved housing unit, the minimum down payment ratio was adjusted to 25%; for those certified as the second improved housing unit and the housing purchased with the loan was located in the Lingang New Area of the China Pilot Free Trade Zone and the six administrative districts of Jiading, Qingpu, Songjiang, Fengxian, Baoshan, and Jinshan, the minimum down payment ratio was adjusted to 20%.

For those certified as the second improved housing unit, the minimum down payment ratio was adjusted to 25%; for those certified as the second improved housing unit and the housing purchased with the loan was located in the Lingang New Area of the China Pilot Free Trade Zone and the six administrative districts of Jiading, Qingpu, Songjiang, Fengxian, Baoshan, and Jinshan, the minimum down payment ratio was adjusted to 20%.