There are also the following standards:

1. There are two commercial loan records in my name, all of which have been paid off and sold. At the same time, I can provide two sets of house sales certificates. In this case, when refinancing, the first set will count.

2. A commercial loan in the name of an individual has been paid off, and another 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.

For families who purchase the first ordinary self-occupied house by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate, which is determined by the banking financial institutions independently according to the risk situation.