Loan discounts for first-time home buyers are as follows:

① The down payment ratio is lower, usually 30%, and the down payment ratio for the second home is 50%.

②Loan interest rates are more favorable. In many cities, the loan interest rate for first-time buyers is 10% higher than the benchmark interest rate, and the interest rate for second-home buyers is 20% higher than the benchmark interest rate.

③Deed tax reduction, the first home enjoys preferential deed tax exemption. For the first purchase of a house with an area of ??less than 90 square meters, the tax rate is only 1%.

When buying a house, you should pay attention to:

① Ability to buy a house. Before buying a house, check the house price to see if your family can afford the down payment and monthly payments.

②Understand purchase restrictions. Each city has different purchase restriction policies, and not everyone can buy a house. Find out if you meet city purchase restrictions.

③Property and property expenses. The developer and the property are not necessarily of the same brand. Property costs and service quality are directly proportional. Don't think that the property fee is too expensive, you are paying for the quality of service. Some rubbish properties will not even repair an elevator after delivery.