Hello, you have a house without a loan. If you buy another suite, it will be the first suite. The evaluation criteria for the first suite are as follows:

1. Loan to buy a suite, commercial loan has been settled, and then loan to buy a house-the first set.

I bought a suite with a loan and then 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 borrow money to buy a house-the first set.

3. I bought a mortgage to buy a house in full-the first set.

4. I bought a suite in full and sold it. If I can't find the property in the housing registration system, I will take out a loan to buy a house-the first set.

5. The commercial loan records of two suites under the personal name have all been paid off and sold. At the same time, two sets of house sales certificates can be provided. In this case, when refinancing, the first set will count.

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

7. One spouse buys a house before marriage and uses a commercial loan. The other party buys a house before marriage, and the provident fund loan. 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. 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. Buying a house and applying for a loan after marriage is the first set.

Hope to adopt