Recognition of housing and loan means that when buying a house with a loan, as long as the borrower has a house or a mortgage record, it will be defined as a second suite or above.
Recognizing the house means that when defining the second suite, if the borrower has registration information in the local house registration system, when buying a house again, the house will be defined as the second suite and above.
Loan identification means that when defining the second suite, if the property buyer has registered the information of loan to buy a house in the bank credit information system, then when applying for a loan to buy a house again, the house will be defined as the second suite and above. Loan recognition refers to seeing how many loan records you have, regardless of whether the loan is paid off or not.
What do you mean, don't recognize the house and recognize the loan?
Regardless of whether the buyer has a loan record or not, as long as the buyer proves that there is no room under his name, it can be identified according to the first suite; If there is already a suite under the name of the buyer, whether the loan is paid off and then buying a house is determined according to the second suite. Banks will not consider the historical loan records of buyers when handling loans.
What do you mean you don't know this house?
It is no longer determined by the number of houses owned by families. As long as the second-home buyers pay off the first loan, the second loan will be determined according to the first suite.
In most cities, the number of housing units with provident fund loans is identified as "accepting loans but not recognizing houses", and the number of housing units needs to be inquired and identified through the credit information system of the People's Bank of China and the housing provident fund management system. Identification of provident fund loans and housing units:
(1) The borrower and his spouse have no outstanding personal housing loan records, which is regarded as the first home loan.
(2) The borrower and his/her spouse only have outstanding personal housing loan records, which are deemed as second home loans.
(3) If the borrower and his spouse have two or more outstanding personal housing loans, it will be regarded as the third home loan.
In addition, whether the houses with 40-year property rights or 50-year property rights purchased by personal loans are included in the scope of "recognizing houses" and whether their loans are included in the scope of "recognizing loans" depends on how the policies of various cities are stipulated. Therefore, individuals should understand the city's policies and understand the interpretation of policies before buying a house.