According to Beijing's latest definition of the first two sets of qualifications, if you have a loan record in other places, have no house in Beijing and are qualified to buy a house in Beijing, then buying a house in Beijing is the first house and the second loan.

In other words, you can buy a house according to the qualification of the first suite in Beijing, but the loan will be calculated according to the qualification of the second suite.

According to Beijing's current loan policy, the down payment ratio of second-home ordinary housing is 60%, and that of non-ordinary housing is 80%.