If there is no house and no loan record in Hangzhou, but there is a house loan record in another place, is it considered the first home?

Because currently, when buying a house in Hangzhou, both the loan record and the house are required, so as long as the credit record you check has a loan record for the house, then you will be buying a second house in Hangzhou. The down payment is a minimum of 60%, and the loan can be a maximum of 40%. Not counting the first set.

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