1, the loan has bought a suite, the commercial loan has been settled, and then the loan is used to buy the first house. I bought a suite with a loan and later sold it. You can't find the property through the housing registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house. This is the first set. 3. I bought a suite in full and bought a house with a loan, which is the first set. 4. I bought a suite in full and sold it later. The housing registration system couldn't find the property, and then I took out a loan to buy a house, which was the first set. 5. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count. 6. A commercial loan in the name of an individual has been paid off, and another provident fund loan has been sold. At the same time, you can provide proof of house sale and apply for a commercial loan to buy a house, the first set. 7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.
Legal objectivity:
Article 6 of the Notice of the Ministry of Housing and Urban-Rural Development on Further Improving the Regulation and Control of the Real Estate Market restricts the purchase of 1 apartment in principle for local registered households and non-local registered households that can provide local tax payment certificates or social insurance payment certificates for a certain number of years; For local registered households with two or more houses, non-local registered households with/kloc-0 houses, and non-local registered households that cannot provide local tax payment certificates or social insurance payment certificates for a certain number of years, it is necessary to suspend the sale of houses within their administrative areas.