The Ministry of Housing and Urban-Rural Development, the People's Bank of China, and the China Banking Regulatory Commission issued a notice to regulate the identification standards for second homes in commercial personal housing loans.

The notice stipulates that the number of residential housing units in commercial personal housing loans shall be determined based on the number of complete housing units actually owned by members of the proposed house-purchasing family (including the borrower, spouse and minor children).

In any of the following situations, the lender should implement the second (and above) set of differentiated housing credit policies for the borrower: The borrower applies for a loan to purchase a house for the first time, such as the housing registration information in the location where the proposed house is purchased. The family has registered one (or more) set of houses in the system (including the pre-sale contract registration and filing system); the borrower has used a loan to purchase one (or more) houses and applied for a loan to purchase a house; the lender has passed Conduct due diligence in the form of checking credit records, interviews, interviews, etc. to confirm that the borrower's family already has one (or more) homes.

For non-local residents who can provide proof of local tax payment or social insurance payment for more than one year when applying for a housing loan, the lender will implement differentiated housing credit policies in accordance with the above regulations. For non-local residents who cannot provide proof of local tax payment or social insurance payment for more than one year when applying for a housing loan, the lender will implement the differentiated housing credit policy for the second set (and above); the price of commercial housing is too high and rises too fast In areas with tight supply, commercial banks may suspend housing loans based on risk conditions and relevant local government policies and regulations.

So if you buy this house again, you need to deal with it as a second house.