Conditions for buying the first suite in Shanghai: 1. After buying a suite with a loan, the commercial loan has been settled, and then buying a house with a loan is considered as the first set. Second, I bought a suite with a loan and later sold it. I can't find the property through the house registration system, but I can find the loan record in the bank credit information system, and then I can buy a house with a loan. Third, I bought a suite in full, and the loan to buy a house is the first set. Fourth, I bought a suite in full, and later sold it. The house registration system can't find the property, and then the loan to buy a house is the first set.

Legal basis:

Notice on Further Perfecting Differentiated Housing Credit Policy Article 1 A husband and wife, one of whom bought a house with a commercial loan before marriage, and the other with a provident fund loan before marriage, want to borrow money in the name of husband and wife after marriage. 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.