The preferential policies for the first home are:

1. Down payment ratio discount: The down payment for the first home is much lower than that for the second home. In general cities with purchase restrictions, the down payment ratio for the first home is around 30. , and the down payment for a second home may reach 40 or even 50.

2. Loan interest rate discount: The loan interest rate for the first home is more favorable than that for the second home. Generally, the interest rate for the first home may be 5 to 10% higher than the benchmark interest rate or based on the benchmark interest rate. If you buy a second home, the loan interest rate will be higher. The benchmark interest rate may rise by 20%.

3. Deed tax discount: The deed tax rate for the first home is determined according to the size of the purchased house. For ordinary houses with an area of ??less than 90 square meters, the tax rate is only 1. For ordinary houses with an area of ??more than 90 square meters, the tax rate is only 1.5. or 2; and the second suite will be calculated as 3 regardless of its size.

First-time home recognition standards:

First-time home ownership refers to purchasing and owning only one house, based on the national standards for first-time home recognition.

The so-called "first house" must meet three conditions at the same time: the buyer is over 18 years old; the house bought is an ordinary house of 90 square meters and below (ordinary houses of 90 square meters and below are enjoy The deed tax rate is 1 preferential); the buyer does not have a house purchased alone or jointly with others. However, housing purchased with parents, purchased in accordance with housing reform policies, acquired through inheritance or demolition resettlement is excluded.