2. However, the previous unit welfare house may not have a complete registration record, and your previous house has no loan, so there is still a chance to be recognized as the first suite.
When you buy a new house and apply for a commercial loan, the developer will ask you to issue a "certificate of no room" to the Housing Authority. Your father should try to apply to the Housing Authority with his ID card first. If your welfare room is not registered with the Housing Authority, he can get a "certificate of no room" and then buy a house to be recognized as the first suite.
4. If your father can't produce the "proof of no house", there is another suggestion: it is estimated that you are an adult and have already worked, then you can apply for a loan in your name.
If your income can't meet the loan requirements, you can borrow in the form of parents' signature guarantee, and you can consult the loan bank for details.
Because you are an adult, you can apply for a loan alone, and you have no real estate registration record before, so you can enjoy the preferential policy of 30% down payment and 10% interest rate.
Good luck with your loan!
A Bin, a real estate agent, answers for you!