The first suite means buying only one house. According to the regulations of the People's Bank of China, urban residents in China can enjoy preferential policies such as preferential mortgage interest rate and minimum down payment ratio when purchasing the first home.

Second, under what circumstances should the first home loan interest rate be implemented?

1, the loan has already bought a suite, the commercial loan has been settled, and the second loan to buy a house is the first suite.

I bought a suite with a loan and later sold it. The house registration system can't find the property, but I can find the loan record in the bank credit information system, and then I can borrow money to buy a house.

3. I have bought a suite in full, and then I will borrow money to buy a house to be the first suite.

4. I bought a suite in full and sold it later. The housing registration system couldn't find the property, so I borrowed money to buy a house and bought the first suite.

5. There are commercial loan records of two suites in the personal name, which have been paid off and sold. At the same time, they can provide proof of the sale of two houses, and then borrow money to buy a house is the first suite.

6. A commercial loan in the name of an individual has been paid off, and another provident fund loan has been sold. At the same time, it can provide proof of house sale and apply for a commercial loan to buy the first house.

7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.

8. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. Buying a house and applying for a loan after marriage is the first suite.

9. If a property buyer applies for a pure provident fund loan, the identification of the first house shall be subject to the fact that there is no complete housing registration under the name of the borrower's family (including the borrower, spouse and minor children).

In other words, as long as there is no room in your name now and the provident fund loan you applied for before has been paid off, then no matter how many times you applied for provident fund loans before, buying a house can still be regarded as the "first suite". The specific identification of loan acceptance outlets is carried out by combining the list of borrowers and family members, the table of housing location and other materials.

Portfolio loan: If it is a portfolio loan, it shall be determined according to the standards of the lending bank.

If the purchaser has registered a loan to purchase a house in the bank credit information system, and the loan is not settled, and applies for a loan to purchase a house, it is defined as a second suite or above.