At present, banks implement the principle of recognizing loans but not houses. As long as there is no outstanding mortgage under the name of the buyer's family, it can be accepted according to the first home loan policy. The family consists of three kinds of people. My spouse's minor children want to buy another house as long as they have outstanding mortgages.

The third suite is also a family unit. If the family has two sets of mortgages, it is calculated as three suites. The head office's credit standard for three or more mortgages is "the down payment ratio and interest rate must be greatly increased". The policies of different regions and banks are different, but basically the down payment of three suites is 50%, and the loan interest rate rises 15% to 20%.