In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:

(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).

Extended data:

Requirements:

First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children);

Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level;

Third, families who have used loans (including provident fund loans) to buy houses and then applied for housing loans from commercial banks.

On March 20 1717, the Beijing Municipal Commission of Housing and Urban-Rural Development, the Municipal Planning and Land Commission, the Municipal Housing Provident Fund Center, the Municipal Banking Regulatory Bureau and the Business Management Department of the People's Bank of China jointly held a press conference, and the regulation of the Beijing property market was further upgraded.

Residents who already own 1 apartment in this city under the family name, but have no housing in this city but have commercial housing loan records or provident fund housing loan records, the down payment ratio for purchasing ordinary self-occupied housing is not less than 60%, and the down payment ratio for purchasing non-ordinary self-occupied housing is not less than 80%.

Suspension of personal housing loans with a loan period of 25 years (excluding 25 years). (including provident fund loans). In addition, it will take 3 years or more for the commercial housing purchased by enterprises to be listed and traded again. If the transaction object is an individual, it shall be implemented in accordance with the purchase restriction policy of this Municipality.

Baidu encyclopedia-second suite