Is a provident fund loan from other places considered the first home?

No, it is considered the second home. The new mortgage policy (subscribe loan but not house) stipulates that the number of houses owned by a family will no longer be used to determine the number of houses. As long as families buying a second home have paid off the loan for the first home, their second loan will also be recognized as the first home. If you have not paid off your first home loan, you will not be able to enjoy the first home benefits if you take out another mortgage to buy a house

If you have a house in other places and have a commercial loan, how can buying a house in Shanghai be considered your first home?

If you have a house in other places, you can count it as your first house. For loans, as long as you don’t have a house in Shanghai, it is considered your first home.

According to Article 3 of the "Notice on Standardizing the Identification Standards for Second Homes in Commercial Personal Housing Loans", if any of the following circumstances occurs, the lender shall implement the second (and above) difference on the borrower Standardized housing credit policy:

(1) The borrower applies for a loan to purchase a house for the first time, and his family has been registered in the housing registration information system (including the pre-sale contract registration and filing system, the same below) in the place where the house is intended to be purchased. There is one (or more) complete set of houses;

(2) The borrower has used a loan to purchase one (or more) houses and then applies for a loan to purchase a house;

( 3) The lender is convinced that the borrower's family already has one (or more) houses through due diligence in the form of credit record inquiry, face-to-face test, interview (residence visit if necessary), etc.

Extended information:

Article 7 of the "Personal Housing Loan Management Measures" The borrower should apply directly to the lender for a loan. The lender shall give a formal reply to the borrower within three weeks from the date of receipt of the loan application and the required information. After the lender reviews and agrees, it will issue a housing loan to the borrower in accordance with the relevant provisions of the "General Terms of Loans".

Article 8 The amount of the loan granted by the lender shall not be greater than the value of the house to be purchased as assessed by the real estate appraisal agency.