2065438+September 30, 2004, the China Banking Regulatory Commission of the Central Bank issued the Notice of the China Banking Regulatory Commission of the People's Bank of China on Further Improving Housing Financial Services, which clearly pointed out that the lower limit of the interest rate of the first home loan is twice the benchmark interest rate of the loan. For families who own a house and have settled the corresponding housing loan, they should apply for loans to buy ordinary commercial housing again in order to improve their living conditions. At the same time, the banking financial institutions applying for loans to buy housing should be based on the borrower's solvency and credit status. "Refusing to accept the loan and not accepting the house" means that when defining the second suite, if the buyer registers the purchase information loan in the bank credit information system and has not settled it, then when applying for a loan to buy a house, the house is defined as the second suite and above. If all loans have been settled, even if there is a banking financial institution under the name of the buyer, the first home loan policy will still be implemented. If the purchaser owns two or more houses under his name, and has settled the corresponding housing loan, and applies for a loan to purchase the house, the banking financial institution can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status. Suppose there is a house in the name of 1, and there is no loan or settlement.