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.
Use commercial loans to buy a house for the first time, and use provident fund loans for the second time. Detailed explanation: At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, even if he has never used a provident fund loan, it will be considered as a second suite for the first time.