Mainly refers to the loan of the first home, generally refers to the first suite purchased by the user with the first loan, and there is no real estate information in my name before the loan. Because of the first loan, you may enjoy different preferential loan rates. For example:

If you don't have a house in Beijing, you can't have a house in a foreign name, you haven't bought any house with a loan, and you don't have a mortgage record, then buying a house in Beijing is the first loan.

If there is no house in Beijing and there is a house in other places, but the house in other places is paid in full, then buying a house in Beijing at this time is also the first loan.

If there is no house in Beijing and there is a house in other places, but this house in other places is mortgaged, then buying a house in Beijing is not the first loan.

The "first suite" shall meet the following three conditions:

① The buyer should be 18 years old.

The house bought is an ordinary house below 90 square meters.

③ There is no house purchased by the purchaser alone or jointly with others, except houses purchased with parents, purchased in accordance with the housing reform policy and obtained through inheritance or demolition and resettlement.