Criteria for defining a second house:

1. After buying a house with a loan, you can check the property through the housing registration system, and then take a loan to buy a house - it is counted as a second house. < /p>

3. If you have purchased one house with full payment, you can check the property through the house registration form system and buy a house with a loan - it counts as two houses.

4. I bought a house with full payment and later sold it. The property cannot be found in the housing registration system, so I bought a house with a loan - it is considered my first house. 5. If the local area does not have the query conditions of the housing registration system, and the bank conducts due diligence to verify that the home buyer already has one house, then buying another house will be counted as two houses.

6. There are commercial loan records for two houses in one's name, one has been paid off and the other has not been paid off. At this time, the refinancing is considered to be three houses.

7. There are commercial loan records for two houses under one's name, all of which have been paid off and sold, and proof of sale of two houses can be provided. In this case, although there is no house under one's name, the loan can still be used again. It will also be considered as three houses when taking out a loan.

8. If a commercial loan for a house under an individual's name has been paid off, and the provident fund loan for another house has also been paid off, at this time, whether applying for a provident fund loan or a commercial loan to buy a house, it will be regarded as three houses.

9. Between a couple, one party uses a commercial loan to buy a house before marriage, and the other party uses 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. According to the New Deal, although both Personal loans taken before marriage are recorded in the central bank's credit system, so loans to buy a house in the same name as husband and wife will still be counted as three houses.

10. For a couple, one party owned a house before marriage but had no loan record, and the other party had loan records before marriage but no real estate under their name. If they apply for a loan to buy a house after marriage, it will be regarded as three houses.