1. The borrower applies for using a loan to purchase a house for the first time, and his family has registered one or more complete houses in the house registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased;

2. The borrower has used the loan to purchase more than 1 house (inclusive) and applied for the loan to purchase the house;

This situation belongs to the first situation, so it is considered as the second suite.

Extended data:

Matters needing attention

Before marriage, one party borrowed money to buy a house, and after marriage, he applied for a loan to buy a house in the name of the other party, but their accounts were not together.

After the marriage, although the husband and wife did not register together, they have registered their marriage with the Civil Affairs Bureau. Now, when issuing loans, banks will require borrowers to provide proof of marital status in addition to household registration books, while married couples can't provide proof of singles, so when buying a house again, they will count the other party as a second suite.

Baidu encyclopedia-second suite