Buying a house in Shenzhen is to recognize the house and the loan. Housing recognition refers to the residential projects in Shenzhen, and loan recognition refers to the nationwide mortgage records. If there are mortgage records in other places before, no matter whether the mortgage is paid off or not, as long as there are records, it will affect the loan ratio of subsequent house purchases, with a down payment of 50% and a loan of 50%. I hope my answer can help you, and I wish you a happy life!