If you buy the first suite and meet the loan requirements of the bank, you can generally enjoy a 15% discount on the first suite loan. The down payment ratio of the first suite is not less than 30% of the total house price. In some places, if the mortgage is tight, the minimum interest rate for the first home is the benchmark interest rate set by the central bank.

You can see if you meet the following basic conditions for applying for a mortgage:

1, a citizen of China with full capacity for civil conduct;

2. Pay the down payment (not less than 30% of the total purchase price);

3. Have a stable economic income and the ability to repay the loan principal and interest;

4. Agree to use the purchased property as loan collateral;

5. Other conditions required by the bank.

If you have a fixed job and income, pay a down payment that meets the requirements and agree to apply for a mortgage, it is easier to apply for a mortgage.