Xiaoming bought a suite (Xiaoming's first suite) in full, and there was no loan from the bank.
Xiaoming bought a suite with a loan, and the loan has been paid off.
Xiaoming bought a suite with a loan and is still paying the mortgage.
Xiaoming bought a suite with a loan and then sold the house.
Under the policy of recognizing the house and the loan, no matter what kind of situation Xiaoming belongs to, buying a house again will be recognized as a second suite, which will be implemented according to the down payment ratio of the second suite. It depends on how the policies of each city are stipulated. If Xiao Ming bought a suite in full and then sold it, and there was no room under his name and he had never had a loan record, then he bought a house again, which was also the first suite.
Of course, in some cities that recognize housing and loans, although the above situation is also recognized as a second suite, they buy a house again because there is no loan or the loan has been paid off. The down payment ratio of this suite is between the first suite and the second suite, that is, higher than the first suite but lower than the second suite. In some cities that recognize housing and loans, the above-mentioned 1234 cases are all implemented according to the down payment ratio of the second suite. It depends on how the policies of each city are stipulated.