What is a second home loan? The number of residential homes in a commercial personal home loan shall be determined based on the number of homes actually owned by the purchased family members (including the borrower, spouse and minor children).

Upon the borrower's request or authorization, municipalities, cities under separate state planning, provincial capitals, provincial capitals and other urban real estate management agencies that meet the query conditions shall query the borrower's family housing registration records on the housing registration information platform , and provide written query results.

If the house registration information cannot be provided due to lack of local search conditions, the borrower must submit a written good faith guarantee to the lender that the house is actually designed. If a false credit guarantee is found, the lender should write a negative credit record.

When the borrower applies for a loan to purchase a house for the first time, if his family already owns one (or more) complete houses; the borrower has used the loan to purchase one (or more) houses, And apply for a loan from the bank; the lender conducts a comprehensive investigation on the borrower's credit record, including face-to-face interviews (if necessary), and determines that the borrower's family owns one (or more) houses.

For those who have local tax or social security certificates for one year or more, the lender may implement differentiated housing credit policies in accordance with Article 3 of this notice.

For non-local residents who cannot provide local tax or social security certificates for more than one year, the lender will follow the second (or more) differential housing credit policy; In areas where prices are rising too fast and supply is tight, distribution can be temporarily suspended based on local risk conditions and relevant policy requirements.

In the past, I only "subscribed for the loan", which does not count as a second home, but with the addition of "subscribe for the house", although there is no loan, as long as the name can be found in the housing property transaction system If you own a property and do not sell it and apply for a loan, it will also be recognized as a second home.

The above is the main content of a second home loan. I believe everyone has an understanding of these contents. I hope this article can give you some help.