The Notice on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans (Jian [2010] No.83) jointly issued by the Ministry of Housing and Urban-Rural Development, the Central Bank and the China Banking Regulatory Commission stipulates that the lender shall implement the second set of differentiated housing credit policies for the borrower under any of the following circumstances:
(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;
(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;
(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).
There is no special explanation for the situation that the per capita living area is lower than the local average. Therefore, the second set of differentiated housing credit policies will be implemented when buying a house again. Specific matters can be consulted with relevant commercial banks.