1. Deed tax concession for house purchase: if the area of the first suite is less than 90 square meters, the deed tax rate shall be calculated at 1%; If the area is 90- 144 square meters, the deed tax rate is1.5%; The area exceeds 144 square meters, and the deed tax rate is 3%.

2. Loan down payment discount: the down payment ratio of the first suite is at least 30%, and the down payment ratio of the second suite is generally above 40%.

3. Preferential loan interest rate: Generally, the loan interest rate for the first home is based on the benchmark interest rate, and the interest rate for the second home will still rise 10%.

Logo of the first suite

1, the loan has already bought a suite, the commercial loan has been settled, and then the loan is used to buy a house-the first set.

I bought a suite with a loan and later sold it. 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 you can borrow money to buy a house-the first set.

3. I bought a suite in full and bought a house with a loan-the first set.

4. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.

5. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.

6. One commercial loan has been paid off, and the other is the provident fund loan has been sold. At the same time, you can provide proof of house sale and apply for a commercial loan to buy a house-the first set.

7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan before marriage. After marriage, they want to 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.

8. Husband and wife, one party has a house before marriage but no loan record, and the other party 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 is counted.