If there is no housing in this city under the name of a resident's family, and the credit information system of the People's Bank of China shows that there is no record of commercial housing loans or provident fund housing loans throughout the country, the first home loan policy will be implemented, and the down payment ratio will not be less than 35%. There is no housing in this city under the name of the resident family, but there are commercial housing loan records or provident fund housing loan records throughout the country through the credit information system of the People's Bank of China; Or 1 apartment is found in the city's real estate transaction system (whether there is a housing loan record or not, whether the housing loan is settled or not), and the second home loan policy is implemented. ?