The standards for identifying the first home in Jiaxing in 2023 are as follows:

1. If you have purchased a home with a loan, the commercial loan has been settled, and then you have taken a loan to buy a house again - it is considered the first home in Jiaxing.

2. I bought a house with a loan and later sold it. I couldn’t find the property through the house registration system, but I could find the loan record in the bank’s credit system. I then took out a loan to buy a house - considered the first house in Jiaxing. .

3. I bought a house with full payment and took a loan to buy the house - it is considered the first house in Jiaxing.

4. I bought a house with full payment, but later sold it. The property could not be found in the housing registration system, so I took out a loan to buy a house - considered the first house in Jiaxing.

5. There are commercial loan records for two houses in one's name, all of which have been paid off and sold, and proof of sale of the two houses can be provided. In this case, when refinancing - it is considered the first house in Jiaxing .

6. A commercial loan under one's name has been paid off, and another housing provident fund loan has been sold. At the same time, one can provide proof of house sale and apply for a commercial loan before buying a house - considered the first house in Jiaxing.

7. Between a couple, one party used a commercial loan to buy a house before marriage, and the other used a provident fund loan to buy a house before marriage. After marriage, the two want to take out a joint loan in the name of husband and wife. If the loan has been repaid, banking financial institutions can flexibly control the loan interest rate and down payment ratio based on specific factors such as the borrower's solvency and credit status.

8. There are two couples. One party has a house before marriage but no loan record, and the other party has loan records before marriage but no real estate in their name. After marriage, they apply for a loan to buy a house - it is considered the first home in Jiaxing.

Things to note when buying a house in Jiaxing

1. Understanding the market is key

The real estate market in Jiaxing changes rapidly. You must understand the current housing prices, policies, and loan interest rates. and other information. At the same time, you must also understand the differences in housing prices in various areas of Jiaxing and choose the appropriate area based on your own needs and financial capabilities.

2. Do a good job in budget planning

Buying a house is not only the expense of buying a house, but also includes other related expenses, such as deed taxes, maintenance funds, decoration costs, etc. Therefore, before buying a house, you must fully consider your financial strength and formulate a budget plan.

3. Choose the right room type and house quality

Choose the right room type according to your family situation and needs, such as a single apartment, two bedrooms and one living room, etc. At the same time, attention should be paid to the quality of the house, including construction quality, unit design, decoration style and other factors.

4. Choose reliable developers and property companies

When purchasing a house, you must choose a reputable developer and property company to ensure the quality of the house and service quality.