When applying for a mortgage loan, the down payment and loan interest rate of the first suite are much lower than those of the second suite. Apply for a mortgage loan, and now the bank's approval of the house is more strict. At present, most banks are "recognizing houses and loans", that is to say, if they have a house under their name and have not applied for a mortgage, it is also a second suite to apply for a loan to buy a house, not the first suite.

Therefore, buying a house without a purchase record is not the first suite, but also depends on the specific situation of the borrower. If you don't have a house or apply for a loan, applying for a mortgage loan is the first suite; If you have a house in your name and apply for a mortgage loan when you have a house, it is a second-home mortgage loan.