1, Shanghai first suite identification standard: the loan has already bought a suite, the commercial loan has been settled, and then the loan is used to buy a house, which is counted as the first suite loan and then sold. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house. I bought a suite in full, and the loan to buy a house was the first suite.

2. If you buy a suite in full and then sell it, and the house registration system can't find the property, you can borrow money to buy a house. Counting, the first suite has two commercial loan records under its personal name, which have all been paid off and sold, and at the same time, it can provide proof of selling two houses. In this case, when you refinance the loan, it is the first suite.

3. In my own name, one commercial loan has been paid off, and the other provident fund loan has been sold. At the same time, you can provide proof of house sale and then apply for a commercial loan to buy a house. As for the first suite, one spouse buys a house with a commercial loan before marriage, and the other spouse buys a house with a provident fund loan before marriage. After marriage, the two want to borrow the same as husband and wife.