The so-called loan record mainly refers to the record information left by the loan applicant after applying for a loan from the bank, which is difficult to erase, but as long as it is settled, according to the current bank policy, if it is in mortgage to buy a house, it can be regarded as the first set.

The current banking policy is that the previous mortgage purchase has been settled, and the current loan belongs to the first set. If the loan is not settled, it belongs to the second suite, and the Housing Authority counts it as the second suite, and the deed tax is levied at 3%.

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In fact, the cancellation of the contract has nothing to do with the loan record, which is a problem that buyers and sellers need to deal with, not a problem that banks need to deal with. The loan record is automatically incorporated into the central bank system every time, and it is indelible for life as evidence of your personal credit investigation; If you don't repay the loan for these two reasons, the bank can still count you as a default. The above information provides you with some brief references.