Question 1: This sentence means that if the buyer already has a property in his name, he can use this property as collateral for the loan. When banks or financial institutions lend money, they usually ask borrowers to provide collateral to reduce the loan risk. If the buyer already has a property under his name, it can be used as a guarantee, that is to say, if the loan cannot be repaid on time, the bank can handle the property to recover the loan according to law. This can reduce the loan risk of banks, because owning real estate can make up for the potential loan losses.
Question 2: If the husband and wife have a suite, in general, this property will be regarded as an existing property. If a husband and wife want to buy a house in another city, it may be the first time to buy a house, or it may not, depending on the policy. The specific situation may be different due to different regions and policies, and it is necessary to consult the local real estate policy department or financial institution for details.
Question 3: If the buyer has paid off the loan in his hometown, but bought another property in his work city, some local policies will regard him as a first-time buyer. This is because the purpose of this policy is to encourage people to buy houses in their working cities and provide more opportunities to buy houses to meet their housing needs. The implementation of specific policies may vary from region to region. For details, please consult the local government or financial institutions.
Question 4: There are two different policies, namely, admitting loans, denying houses and denying loans. Refusing to accept loans usually means that buyers can get loans, whether they already own a property or not. Recognizing the house and not recognizing the loan means that buyers need to prove that they are first-time buyers to enjoy the preferential policies for buying houses.