Beijing mortgage loan recognition and loan recognition usually means that when the borrower buys a house, if the borrower has a house or a mortgage record, it will be defined as a second suite or above. Therefore, loan recognition generally depends on how many loan records the borrower has, regardless of whether the loan is paid off.

down payment ratio of Beijing provident fund loan:

1. Affordable housing, with down payment ratio of not less than 2%;

2. For the first set of housing with property rights and other policies, the down payment ratio shall not be less than 3%;

3. For ordinary self-occupied houses and second houses, the down payment ratio shall not be less than 6%;

4. If it is a second house that is not occupied by ordinary people, the down payment ratio shall not be less than 8%.