Generally, any purchase by a qualified buyer who can prove that he or she does not have a property in his or her name will be considered as the first home.

The specific identification criteria for the first house in Nanjing:

1. After buying a house with a loan, the commercial loan has been settled, and then you can buy a house with a loan.

2. I bought a house with a loan and later sold it. I couldn’t find the property through the house registration system, but I could find the loan record in the bank’s credit system, and then I took out a loan to buy a house.

3. Purchased a house with full payment and purchased the house with a loan.

4. I bought a house with full payment and later sold it. The property cannot be found in the housing registration system. If I buy a house with a loan, it will be regarded as my first house.

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