In the past, it only "recognized the loan", not counting the second suite, but now it has added "recognized the house". Although there is no loan, as long as you can find a property under your name in the housing property rights trading system, you will be recognized as a second suite if you don't sell it or apply for a loan.

Some people borrow money to buy a house in their own name, and then use the loan to buy a house after they sell it. Detailed explanation: At present, the bank's identification of the second suite is "recognizing the house and recognizing the loan", that is to say, the property bought by the loan, although there is no house under the family name after the sale, will be counted as the second suite because of the previous loan record.