Legal analysis: The criteria for determining the first home of a couple: 1. One of the spouses has a house in his name before getting married, but there is no loan record; the other spouse does not have a house in his name before getting married, but there is a loan record . If you buy a house and apply for a loan after getting married, it will be considered your first home. 2. One of the spouses used a commercial loan to buy a house before getting married, and the other used a provident fund loan to buy a house before getting married. After the two get married, they want to take a loan in the same name as both spouses. If the loan has been paid off , the lending institution can control the loan interest rate and down payment ratio based on the borrower's repayment ability and credit status.

Legal basis: Article 1062 of the "People's Republic of China and Civil Code": The following properties acquired by husband and wife during the marriage relationship are the joint property of the husband and wife and belong to the husband and wife. *** Same as all: (1) wages, bonuses, and remuneration for labor services; (2) income from production, operation, and investment; (3) income from intellectual property rights; (4) inherited or donated property, but the first Except for the provisions of Paragraph 3 of Article 1063; (5) Other property that shall belong to the contract. Husband and wife have equal rights to handle the same property.