1, first of all, it depends on whether there has been any lending behavior. For those who have bought a house in full or borrowed from relatives and friends before, when applying for a loan to buy a house from a bank, it is regarded as the first home loan; For existing housing loans, re-applying for loans will be regarded as the second set.

2. Take the family as the unit, that is, you need to check the loan purchase situation of yourself, spouse and minor children in the personal credit information system. If any of them has a record of buying a house with a loan, you will also be regarded as the second set when applying for a house with a loan.

3, including provident fund loans and commercial personal housing loans. That is, those who have applied for provident fund loans or commercial personal housing loans before, and those who apply for loans to buy houses again are regarded as the second set. However, those who applied for commercial personal loans such as personal commercial housing loans and personal comprehensive consumer loans before, and those who applied for loans to buy housing, shall be implemented in accordance with the first set of housing loan policies.

4. Including settled and outstanding loans. In other words, those who have a record of buying a house loan, regardless of whether they settle down or not, will be regarded as the second set if they apply for a loan to buy a house again.