In addition, houses with 50-year property rights can't be settled in general, because they are not residential. If they want to buy or sell later, the taxes and fees are higher, but the total price of such houses is generally low, and the rent is about 5% of the total price, so they can be tried as investment.
The guiding policy of the central bank on mortgage loans for single apartments;
1. The first set is a commercial loan. If it is not settled, use the second set of commercial loan to buy a house. The interest rate will rise 10% and the down payment will be 40%.
2. If the first set of commercial loans has been settled and the per capita housing area of family members (including the main borrower, the spouse of the main borrower and minor children) is lower than the local average, they can still enjoy the interest rate of the first set 15%.
The actual operation of banks varies slightly from place to place, but this is the basic principle.