Editor's note: In the era of high housing prices, many people took out loans to buy houses. In order to curb speculation in commercial housing, the state introduced a loan policy for second homes. So, what are the criteria for identifying a second house? What are the loan policies for second homes? The promulgation of the five detailed rules of the new country has caused many home buyers who want to buy a second home to improve their homes to lose their direction. Buying a second home under the heavy tax on second-hand homes has naturally become a new topic. After getting married, many couples find that buying a second home is not that simple and requires a lot of procedures. So let’s follow the editor and take a look at some tips for buying a second house. Let’s first clarify the concept of second house. What are the criteria for identifying a second house? "Second house" is the abbreviation of the second ordinary self-owned house. It refers to the borrower's family (including the borrower, spouse and minor children) as a unit, and the per capita housing area of ??the borrower's family is higher than the local average. Apply for a housing loan from a commercial bank. The number of residential housing units in commercial personal housing loans shall be determined based on the number of complete housing units actually owned by members of the proposed house-purchasing family (including the borrower, spouse and minor children, the same below). Upon the borrower's application or authorization, the real estate authorities of municipalities, cities under separate state planning, provincial capital cities and other cities with the inquiry conditions shall inquire the borrower's family housing registration records through the housing registration information system and issue written inquiry results. If the query results of family housing registration cannot be provided because the local area does not currently have the query conditions, the borrower should submit a written good faith guarantee to the lender that the number of family housing units actually exists. If the lender finds out that the integrity guarantee is false, it should be recorded as a bad record. What are the criteria for identifying a second house? How to determine the second house?