The second suite standard is based on the family, and the house is recognized and the loan is recognized. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the place where they bought the house for more than 1 year, otherwise it will be calculated as the second home loan.

According to the contents of the Notice on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans:

The number of residential units in commercial individual housing loans in various places should be determined according to the number of complete housing units actually owned by family members (including borrowers, spouses and minor children) who have the intention to purchase houses.

Rule three. In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:

1. The borrower applies for using a loan to purchase a house for the first time, and his family has registered one or more complete houses in the house registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased;

2. The borrower has used the loan to purchase more than 1 house (inclusive) and applied for the loan to purchase the house;

3. The lender is convinced that the borrower's family already owns a house (or more) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).

Extended data

According to the contents of the Notice on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans:

Article 4? For non-local residents who can provide local tax payment certificates or social insurance payment certificates for more than 1 year to apply for housing loans, the lender shall implement differentiated housing credit policies 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.

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