For families who have used bank loans to buy the first set of self-occupied housing, and the per capita housing area is lower than the local average, and 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. The average level of local per capita housing is based on the data released by the statistics department last year. Others are implemented according to the second home loan. Among them, "other" also includes the situation that the first set of owner-occupied housing has been purchased with loans and there is a loan record.

If the first suite has used the loan to buy a house, according to the relevant regulations, whether it is paid off or not, if the second suite loan is applied again, the second suite loan standard will be implemented. In addition to not enjoying the preferential interest rate, the down payment is increased by 10% and the interest rate is increased by 10%. On September 27th, 2007, the central bank and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Management of Commercial Real Estate Loans, which stipulated that the down payment ratio of the loan should not be less than 20% for the purchase of the first self-occupied house with a construction area of less than 90 square meters. Purchase the first set of self-occupied housing with a building area of over 90 square meters in Xing Tao, and the down payment ratio of the loan shall not be less than 30%; For those who have used the loan to purchase a house and apply for the purchase of a second house (inclusive), the down payment ratio of the loan shall not be less than 40%.

Second-home provident fund loan: According to relevant regulations, if an individual has no loan balance in the credit information system, buying a house again is regarded as the first suite. In other words, the first suite bought by personal loan has been sold or settled, and the second house purchase is treated as the first set. Those who have used the loan to purchase the first set of self-occupied housing and have loan records, regardless of whether the loan has been paid off, and apply for a second set of housing loans from commercial banks again, shall be implemented in accordance with the second home loan policy.

It is understood that the second suite is defined as the number of mortgage loans based on the borrower's family (including the borrower, spouse and minor children). Families who have used provident fund loans or commercial loans to buy houses and apply for mortgages again are regarded as second suites. So you bought a house with your own loan, and borrowed a house in your own name, and it is still recognized as a second suite.