Publish the loan but not the house.

Recognize the house but not the loan: If a person has a house in his name, it does not necessarily mean he bought it with a loan. The bank only recognizes the house but not the loan. Recognizing a house but not a loan means that as long as the home buyer does not have a house in his name, it will be regarded as the first home regardless of whether he has applied for a housing loan before.

For example, a person once bought a house with a loan, and then sold the house to someone else after the loan was settled. Now when he applies for a mortgage again, the bank checks that he does not have any real estate in his name, so it is considered the first house.