Hello,

If you have a house in your name and no mortgage, buying another house is considered your first house.

The appraisal standards for the first house are as follows:

1. After taking out a loan to buy a house, the commercial loan has been paid off and then you can take out a loan to buy a house - it is considered your first house.

2. After buying a house with a loan and then selling it, the property cannot be checked through the house registration system, but the loan record can be found in the bank's credit system, and then the house is bought with a loan - it is considered the first house.

3. Buying a house with full payment and taking out a loan is considered your first house.

4. I bought a house with full payment and then sold it. If the property cannot be found in the house registration system, I then took out a loan to buy a house - it is considered the first house.

5. If you have two commercial loan records under your name, all of which have been paid off, and you can provide proof of the sale of the two houses at the same time, when you refinance in this case - it will be counted as the first house.

6. I have a commercial loan in my name that has been paid off and another housing provident fund loan that has been sold. I can provide proof of the sale of the house and apply for a commercial loan before buying a house - it is considered my first house.

7. One of the couple used a commercial loan to buy a house before marriage, and the other used a provident fund loan to buy a house before marriage. After marriage, the two want to get the same loan in the name of husband and wife. If the loan has been paid off to a banking financial institution The loan interest rate and down payment ratio can be flexibly controlled based on specific factors such as the borrower's solvency and credit status.

8. One of the couple had a house before marriage but no loan record, and the other spouse had loan record before marriage but no real estate in their name. Apply for a loan to buy a house after marriage - it is considered the first home