Second, for families who have used bank loans to buy the first set of self-occupied housing, and their per capita housing area is lower than the local average level, if they apply for housing loans from commercial banks again, they can implement the first set of self-occupied housing loan policy, but the borrower should provide the query results of the local real estate management department on the total housing area of the family based on the housing registration information system. The average level of local per capita housing is based on the data released by the statistics department last year. Others are implemented according to the second home loan.
Three, families have used housing provident fund loans to buy housing, and apply for housing loans from commercial banks again, according to the provisions of the preceding paragraph.
Four, commercial banks should earnestly fulfill the obligation to inform, require borrowers to submit proof materials such as real estate, income, household registration, tax payment, etc. according to the principle of good faith. All commercial banks shall not accept their credit applications if they find that they have filled in false information or provided false certificates. Commercial banks shall not accept false income certificates issued by verified units. For the above borrowers and units, commercial banks should report to their local banking associations in a timely manner, and the banking associations are responsible for collecting the above information and reporting it, and the regulatory authorities will include it in the key inspection contents.