1. If the local area does not have the query conditions of the house registration system for the time being, and the bank conducts due diligence to verify that the purchaser has a house, then the loan will be used to purchase the house-the first set is counted; 2. There are commercial loan records of two suites in the name of the individual, which have all been paid off and sold, and at the same time, they can provide proof of selling two houses. In this case, when refinancing, the first set of calculations; 3. The commercial loan of one suite under the personal name has been paid off, and the other provident fund loan has also been paid off. Apply for a commercial loan and then buy a house-the first set; 4. Husband and wife, one party has a house before marriage but no loan record, the other party has a loan record before marriage but no real estate under his name, and buys a house to apply for a loan after marriage-the first set; 5. I bought more than two houses with a loan and later sold them. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set.