Xianfang: refers to the commercial housing that consumers can live in at the time of purchase, that is, the commercial housing that the developer has completed the large-scale production certificate of the house for sale and can live in and obtain the property right certificate after signing the commercial housing sales contract with the consumers. Only real estate license and land use certificate can be called existing houses. This is relative to faster delivery.

Debt-paid houses generally refer to houses paid to creditors as debts due to debts owed by engineering debt-paid houses and developers to debtors such as advertisers, agents and material suppliers. Debt-paying houses are divided into primary houses and secondary houses. Generally, foreclosed houses have no property rights, so they are different from existing houses.

Generally, it is not easy to borrow money from a house that pays off debts. The reason is 1. The landlord doesn't want you to borrow money, because the money you borrowed will be directly transferred to the developer's account, and the developer needs to give him more money. Reason two. The reason why the developer disagrees with the loan is trouble, or the price paid to the landlord is very low, which is a one-time payment price; Reason three. Developers do not have cooperative banks to lend, and it is more troublesome to operate again. There are exceptions, Dalian allows provident fund loans to buy debt-paying houses.