I bought more than two houses with a loan, and then I sold them all. I can't find the property through the house registration system, but I can find the loan record in the bank credit information system, and then I borrow money to buy a house-the first set;

3. Husband and wife, one party buys a house before marriage and uses a commercial loan, while the other party buys a house before marriage and uses a provident fund loan. After marriage, the two want to jointly borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status; If the loan has not been paid off-more than two suites;

I bought a suite with a loan, and the business loan has been settled, and then I bought a house with a loan-the first set. If the loan is not settled-two sets;

5. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I borrowed money to buy a house-the first set;

6. If the local area does not have the query conditions of the housing registration system for the time being, and the bank conducts due diligence to verify that the purchaser already has a house, it will borrow money to buy a house-the first set of calculations;

7. There are two sets of commercial loan records in the individual's name, both of which have been paid off and sold, and two sets of housing sales certificates can be provided at the same time. In this case, when refinancing, the first set of calculations;

8. A commercial loan for one suite under the personal name has been paid off, and another provident fund loan has also been paid off. Apply for a commercial loan and then buy a house-the first set;

9. One spouse has a house before marriage but no loan record, and the other spouse has a loan record before marriage but no real estate under his name. After marriage, he buys a house and applies for a loan-the first set;

10. There are commercial loan records of two suites in the personal name, one set has been paid off and the other set has not been paid off. At this point, the second loan is regarded as more than two suites.

For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.