For the first home purchase, ordinary houses can be loaned to 65% of the appraised value, and non-ordinary houses can be loaned to 60% of the appraised value, and the loan interest rate will rise by 5%- 10% (the benchmark interest rate for more than five years is 4.9%).

For the second house purchase, ordinary houses can get 40% of the appraised value, non-ordinary houses can get 20% of the appraised value, and the loan interest rate will rise by 20%.

The criteria for identifying ordinary and unusual houses are 1. area 140m2 or less (including140), and the plot ratio is above 1.0 (including 1.0). The unit price in the Fifth Ring Road does not exceed 39600 yuan, and the total price does not exceed 46860 yuan. Only when the above three points are met at the same time can it be an ordinary residence, and vice versa.