Legal analysis: The second suite is the second property purchased by citizens under their name. The first category is that citizens buy real estate when they are minors, and they will be recognized as second suites when they are adults. The second category is that parents settle the property for minor children, which is also considered as a second suite, taking the family as the unit. The third is that individuals have loans to buy a house, and then use loans to buy a house after sale. At present, the bank recognizes that the second suite is both a house and a loan, which means that although the property has been sold and there is no house under the family name, because of the loan record, the property purchased by the previous loan will be counted as the second suite when it is sold. The fourth situation is that one party has a loan to buy a house before marriage. Apply for a loan to buy a house in the name of the other party after marriage, but their accounts are not together. Even if the accounts are not together after marriage, I must have registered with the Civil Affairs Bureau. When banks approve loans, they require borrowers to provide household registration books. The borrower will also be required to provide proof of marital status or single certificate, so when buying a house again, the other party will still count as a second suite. 1. Further adjust the down payment ratio of credit. In urban areas, families who already own a set of housing or have no housing but have housing loan records apply for commercial personal housing loans to buy houses and implement the second set of housing credit policies. The down payment ratio is not less than 60%. 2. Require all commercial banks to strictly review the repayment ability of borrowers, strictly implement the policy requirements that the monthly payment accounts for no more than 50% of income, and refer to the second home loan credit policy for borrowers who are adults, unemployed, have no fixed income and have repayment funds from other borrowers. Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered. Article 214 The establishment, alteration, transfer and extinction of the real right of immovable property, which should be registered according to law, shall take effect when it is recorded in the register of immovable property. Article 215 A contract concluded between the parties on the establishment, alteration, transfer and extinction of the real right of immovable property shall become effective upon the establishment of the contract, unless it is otherwise provided by law or agreed by the parties. Failure to register the real right shall not affect the validity of the contract.