The qualification for buying a house in Shanghai residential projects is that the foreign household registration has paid social security for 6 months and the family can buy a house. It is judged that the first two sets of situations are both house recognition and loan recognition, and you have a loan record, so buying a house is considered as a second suite. If the house is a non-ordinary house, it needs a down payment of 7%, and if it is an ordinary house, it needs a down payment of 5%.