1. Property buyers are required to be registered in Chengdu for at least two years, and the number of families required to buy houses is 2 or more, and the city's own housing is insufficient 1 set (including 1 set).

2. The restricted areas are Western Park of High-tech Zone, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District and Pidu District.

Identification standard of second suite

1. If there is a house in the name of parents, buy a house in the name of minor children:

According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

2. If you have real estate under your name as a minor, you can borrow money to buy a house as an adult:

According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for minors' real estate, applying for a mortgage is not a second set.

3. If there is a house purchased in full in the name of an individual, then the house purchased by loan:

In the past, it only "recognized the loan", not counting the second suite, but now it has added "recognized the house". Although there is no loan, as long as you can find the property under your name in the housing property rights trading system, you will be recognized as a second suite if you don't sell it or lend it.

4 personal loans to buy a house, after the loan to buy a house:

At present, most banks recognize the second suite as "recognizing the house and recognizing the loan". That is to say, although the property bought by the loan is sold and there is no house under the family name, the application for mortgage will be counted as the second suite because of the previous loan record.

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

At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, even if the provident fund loan has never been used, the first application for provident fund loan is considered as a second suite.