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 investigation and interview (home visit when necessary).

In practice, the following seven situations will be identified as the second suite:

1. If parents have a house, buy another house in the name of minor children;

2. Have a property under the name of a minor, and then borrow money to buy a house after adulthood;

3. If there is a house purchased in full under the name of the individual, then borrow money to buy a house;

4. There is a loan to buy a house under the name of the individual, and then the loan is purchased after the sale;

5. Use commercial loans for the first purchase and provident fund loans for the second purchase;

6. One party borrows money to buy a house before marriage, and applies for a loan to buy a house in the name of the other party after marriage, but the two accounts are not together;

7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house.

If you buy a second house with a provident fund loan, the interest rate will rise, but the interest rate is still very favorable. Although the interest rate of provident fund loans is low, the amount is not high. If the amount is not enough to buy a house, buyers can only increase the down payment ratio or apply for a portfolio loan.