There have been mortgage records all over the country, but they have all been paid off. Is buying a house in Shanghai the first or the second?

At present, the first two sets of policies for housing purchase in Shanghai are the principle of "recognizing housing and recognizing loans":

The second suite meets one of the following conditions:

There is no housing in Shanghai, but there are commercial housing loan records or provident fund housing loan records nationwide;

There are 1 apartments in Shanghai.

The down payment ratio of two sets of ordinary houses is 50%; The down payment ratio of two sets of non-ordinary houses is 70%