The borrower applies for a loan to purchase a house for the first time, and his family has registered one or more complete houses in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased. The borrower has used the loan to buy a house (or above) and applied for a loan to buy a house.

It depends on the ownership of the apartment. If the apartment is 40/50 years old, it doesn't matter. According to the current policy, you can make a down payment of 30%, but the income certificate should cover all monthly payments. If it is a 70-year property right, calculate the housing loan, and then buy a house with a down payment of at least 70%.