We learned from Shuyin Online Loan Supermarket that there are now seven situations in which banks judge second homes, among which:

3. There is a house purchased in full in one’s name, and then a loan is used to purchase the house.

Detailed explanation: In the past, it was only "subscription for loan". This situation is not considered a second home, but now "subscription for house" is added. Although there is no loan, as long as it can be found in the housing property transaction system If you have a property in your name, it will be recognized as a second home unless you sell it and apply for a loan.

4. If you have a loan in your name to buy a house, you can buy a house with a loan after the sale is completed

Detailed explanation: The bank currently considers the second house as "recognition of the house and subscription of the loan", that is to say Although after the property bought with a loan is sold, the family no longer has any house in their name, but because it has a previous loan record, it will be counted as a second home when applying for a mortgage.

So, if LZ sells the property with the first mortgage settled, there will be a record of the first mortgage in the bank loan record. Although the second house has been paid in full, it has not been sold, so it can be found in the housing property transaction system that there is a second house in the name. Therefore, if you buy another house, it will be counted as three houses.

But if LZ is selling a fully paid second house, and it can be found in the housing property transaction system that there is no second house under its name, then the house purchase can be counted as a second house.