1. If the mortgage loan is not settled, the second home policy shall be implemented according to the latest policy of 20 15, and the minimum down payment ratio shall be adjusted to not less than 40%, and the business tax exemption period for individual housing transfer shall be reduced from more than 5 years (including 5 years) to more than 2 years (including 2 years). Second, the latest first suite identification standard 1, loan to buy a suite, commercial loan has been settled and then loan to buy a house-the first set. 2. I bought a suite with a loan and sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set. 3. I bought a mortgage to buy a house in full-the first set. 4. I bought a suite in full and sold it. If I can't find the property in the housing registration system, I will take out a loan to buy a house-the first set. 5. The commercial loan records of two suites under the personal name have all been paid off and sold. At the same time, two sets of house sales certificates can be provided. In this case, when refinancing, the first set will count. 6. A commercial loan for a suite under the name of an individual has been paid off, and the other is that the provident fund loan has been sold. At the same time, you can provide proof of house sale, apply for a commercial loan and then buy a house-the first set is counted. 7. One spouse buys a house with a commercial loan before marriage, and the other spouse 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. One spouse has a house before marriage but no loan record, and the other spouse has a loan record before marriage but no real estate under his name. Buying a house after marriage and applying for a loan-the first set of calculations.