If you are qualified to buy a house, you have had two loan records before. Generally speaking, if you want to buy a house again, you will pay 60% down payment for the ordinary house and 80% down payment for the second suite.

At present, commercial loans are subject to the policy of recognizing houses and loans. Housing identification refers to the residential property in Beijing for more than 70 years. Loan identification refers to the national loan records, including commercial loans and provident fund loans that have been paid off and are being repaid.

Special circumstances: Some banks may refuse the loan if the customer has a loan record of 5-6 times or more before.

I hope I can help you!