Before the new "National Ten Articles", the types of individual housing loans were usually divided into "the first set" or "the second set and above". The new mortgage policy is based on the number of houses to determine whether it is the second or third set, and the scope of determination is based on families. This is a fundamental change to the previously implemented second suite identification standard. Now banks call those customers who have bought houses twice, whether they have paid off their loans or not, as three suites and then buy houses.

According to the requirements of the State Council, in areas where the price of commercial housing is too high, rising too fast and the supply is tight, commercial banks can suspend the issuance of loans for the purchase of third and above houses according to the risk situation.

However, judging from the current situation in Beijing, many commercial banks have not stopped the "three suites" loan.

On April 2 1, our reporter learned from Beijing Branch of Agricultural Bank of China that the bank had not received further requests from Beijing Banking Regulatory Bureau and the head office, and the "third suite" was not stopped, but the down payment ratio was greatly increased to 60%, and the loan interest rate rose by 20% on the basis of the benchmark interest rate.