According to the Notice on Standardizing the Second Set of Housing Identification Standards for Commercial Personal Housing Loans:

Three. In any of the following circumstances, the Lender shall implement the differentiated housing credit policy above the second grade (inclusive) for the Borrower:

(a) the borrower applies for a loan to buy a house for the first time, and his family has registered a complete set (or more) of houses in the housing registration information system (including the pre-sale contract registration and filing system, the same below) of the place where the house is to be purchased;

(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 set (or more) of housing through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).

Extended data:

According to the Notice on Standardizing the Second Set of Housing Identification Standards for Commercial Personal Housing Loans:

First of all, the number of residential units in commercial personal housing loans should be determined according to the number of complete housing units actually owned by family members (including borrowers, spouses and minor children, the same below) who intend to purchase houses.

Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions should inquire about the borrower's family housing registration records through the housing registration information system and issue written inquiry results.

If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it should be recorded as a bad record.

IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates for more than 1 year, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice.

For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.

Requirements:

First of all, the amount 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 will apply for housing loans from commercial banks.

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