1. The buyer has bought a house with a loan, but his loan has been settled. If he applies for a mortgage to buy a house again, it will be considered as the first suite.

2. This homebuyer bought a property with a loan, but the property has been transferred. There is no property record in the room registration system, but there is a loan record in the bank credit information system. If he applies for mortgage to buy a house again, he will be recognized as the first suite.

3. There is a property purchased in full under the name of the purchaser. Property buyers who apply for mortgage purchase shall be regarded as the first suite.

4. There is a set of property purchased in full under the name of the purchaser, and the property has been transferred, and there is no property record in the housing registration system. At this time, if you apply for mortgage purchase, it will be regarded as the first suite.

The buyer has a record of applying for a loan to buy two suites, but after the loan is paid off, the new house is also transferred. If you apply for a mortgage to buy a house again, it is regarded as the first suite.

6. In the name of the buyer, there is a set of property that has applied for commercial loan to buy a house, but the loan has been paid off, and there is also a set of property that has applied for provident fund loan to buy a house, but has been transferred. If you apply for a mortgage to buy a house again, it is regarded as the first suite.

What are the housing purchase restriction policies?

1. If a resident family that owns 1 apartment applies for a commercial personal housing loan to purchase ordinary self-occupied housing again to improve its living conditions, the down payment ratio shall not be less than 50%; For households with 1 apartment, if they apply for commercial personal housing loans to buy non-ordinary self-occupied housing again in order to improve their living conditions, the down payment ratio shall not be less than 70%.

2. If the purchaser's family name has no room in this city and there is no housing loan record in the past two years, the down payment ratio of the loan will continue to be 30% lower; For those who have no housing in this city but have housing loan records in the last two years under the name of the purchaser's family or own 1 house in this city but have settled the corresponding housing loan, the down payment ratio of the loan is 40% lower.

3. The low down payment ratio of households with 1 apartment and outstanding corresponding housing loans, and the proportion of re-applying for commercial personal housing loans to purchase houses for improving living conditions is 50%.