1, the loan has already bought a suite, the commercial loan has been settled, and it is the first set to buy it again; I bought a suite with a loan and later sold it. You can't find the real estate through the housing registration system, but you can find the loan record in the bank credit information system, and then the loan to buy a house is the first set; I have bought a suite in full and then borrowed money to buy a house, which is the first set.
2. I bought a suite in full and sold it later. The housing registration system could not find the property, and then I borrowed money to buy a house, which was the first set; There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.
3. One commercial loan in the name of an individual has been paid off, and the other is the provident fund loan has been sold. At the same time, it can provide proof of house sale, apply for commercial loans and buy a house, the first set; Couples, one of whom has a house before marriage but no loan record, and the other who has a loan record before marriage but no real estate under his name, apply for a loan after marriage, which is the first set.
Conditions for purchasing the first suite in Hangzhou:
Household registration in Hangzhou: local registered citizens can buy the first suite if they have the strength to buy a house. According to the regulations, the adult single (including divorced) registered in this city are restricted to purchase 1 house in the restricted purchase area, and the married families registered in this city are restricted to purchase 2 houses in the restricted purchase area. You need to settle in Hangzhou for a certain number of years before you can buy a house, which is determined according to the settlement method.
Non-Hangzhou household registration: the purchase of the first house is required, and the urban social security or personal income tax has been paid continuously within the scope of the city's purchase restriction for 48 months from the 4 years before the date of purchase. Non-registered households in this city need to pay urban social security or personal income tax within the city's restricted purchase range 12 months before the purchase date, and buy a house.