Buying an apartment with a loan and then buying a house in Hangzhou does not count as two units. There is no purchase or loan limit for apartments. It is a business model. Apartments have nothing to do with houses. As long as you don’t have a house in your name, buying an apartment will count. It’s the first set, so it doesn’t count as the second set. Loans for hotel apartments are not considered housing loans, and loans for housing purchases are limited to housing loans, including provident funds and commercial loans. Apartments are the most widespread form of real estate investment in commercial real estate. Apartment types can be divided into residential and commercial land according to the nature of the land. If the land use nature of the apartment purchased is residential, then the purchase of an ordinary commercial house is considered the second personal home. If the land use of the apartment purchased is commercial, the purchase of an ordinary commercial house is considered the first personal home. The definition of a second home refers to a residence with a property right of 70 years. Apartments are not related to houses. For specific information, you can consult the local housing management office. Therefore, in Hangzhou, buying an apartment with a loan and then buying a house does not count as a second apartment.

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