The second set of housing loan policy is: 1. The number of residential units in commercial personal housing loans should be determined according to the number of complete housing units actually owned by family members (including borrowers, spouses and minor children). 2. In any of the following circumstances, the lender will implement two sets (or more) of differentiated housing credit policies for the borrower: (1) The borrower applies for using the loan to buy a house for the first time, but in the local housing registration information system (including the pre-sale contract registration and filing system), if his family has registered a house (or more), it will be deemed as a second suite (or more); (2) The borrower has used the loan to purchase a house (or above) and applied for a loan to purchase a house. Even if the house bought by the borrower with the previous loan has been sold, the house is still considered as a second suite (or above); (3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary). 3. In addition to how the lender determines the second home loan when applying for a loan, the Notice implements a differentiated credit policy according to whether non-local people pay taxes or pay social insurance: for non-local residents who can provide local tax payment certificates or social insurance payment certificates for more than 1 year, the lender will implement a differentiated housing credit policy in accordance with Article 3 of this Notice. For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.

Legal objectivity:

Article 18 of the Interim Measures for the Administration of Personal Loans shall comprehensively review the legality, rationality and accuracy of the loan investigation contents, focusing on the due diligence of the investigators and the borrower's repayment ability, credit status, guarantee status, mortgage (pledge) ratio and risk degree. Interim Measures for the Administration of Personal Loans Article 20 Lenders shall, in accordance with the principle of prudence, improve the authorization management system, standardize the examination and approval procedures, clarify the authority of loan examination and approval, separate loan examination and approval from authorization, and ensure that loan examination and approval personnel independently examine and approve loans according to authorization.