1. Families with three or more sets of local household registration;

2. 1 non-local registered households with one or more sets;

3. Non-local registered families who can't provide proof of paying personal income tax or social insurance in this city for more than 1 year before the date of purchase.

Differentiated housing credit policy:

1. For the first time, households purchase ordinary houses (referring to houses that have never been purchased), and the minimum down payment ratio is not less than 30% according to national policies.

2. For households that have a record of buying a house loan, but actually have no room when applying for a loan to buy a house; For households who own 1 apartment but have no housing loan record or whose corresponding housing loans have been settled, when applying for commercial personal housing loans to purchase ordinary housing, the minimum down payment ratio shall not be less than 30%.

3. If a resident family owns a house and the corresponding purchase loan has not been settled, the minimum down payment ratio for re-applying for commercial personal housing loan to purchase ordinary housing shall not be less than 40%.

4. For households with two or more houses, commercial personal housing loans will be suspended.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 209 The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

Natural resources owned by the state according to law may not be registered.

Article 210 The registration of immovable property shall be handled by the registration institution where the immovable property is located.

The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.

Article 211 When applying for registration, the parties concerned shall provide the ownership certificate, real estate boundary and area and other necessary materials according to the different registered items.

Article 217 The certificate of ownership of immovable property is the proof that the obligee enjoys the real right of immovable property. The items recorded in the certificate of real estate ownership shall be consistent with the real estate register; If the records are inconsistent, unless there is evidence to prove that the real estate register is indeed wrong, the real estate register shall prevail.