1. The number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children).

2. For families who have used bank loans to buy the first set of self-occupied housing, and their per capita housing area is lower than the local average level, if they apply for housing loans from commercial banks again, the first set of self-occupied housing loan policy can be applied mutatis mutandis, but the borrower should provide the results of the local real estate management department's inquiry on the total area of family housing according to the housing registration information system.

3 families who have used housing provident fund loans to purchase houses apply for housing loans from commercial banks again, in accordance with the provisions of the preceding paragraph.

4. Commercial banks should earnestly fulfill their obligation to inform and require borrowers to submit real proof materials such as real estate, income, household registration and tax payment according to the principle of good faith. All commercial banks shall not accept their credit applications if they find that they have filled in false information or provided false certificates. Commercial banks shall not accept false income certificates issued by verified units.