1. If you have a fully-purchased house in your name, and you purchase a house with a loan, it will be considered a second house. According to the bank's current policy, even if there is no previous mortgage record, as long as the bank can find a property in the applicant's name in the housing property transaction system, it will be regarded as a second home without selling it and applying for a loan.

2. If you have purchased a house with a loan and then purchased a house with a loan after settling the sale, it will be counted as a second home. Even if the property is sold and there is no house in the family's name, because there is a previous loan record, the property purchased and sold with a previous loan will be counted as a second home when it is purchased again.

3. If you use a commercial loan to buy a house for the first time, and then use a provident fund loan to buy a house, it is considered a second house. At present, the provident fund loan policy is relatively strict. As long as the borrower has a loan record, regardless of settlement or sale, even if the provident fund loan has never been used, the first use will be counted as a second house. Therefore, if you use a provident fund loan to buy a second house, it will be counted as a second house. suite.

4. If one party purchases a house with a loan before marriage and the other party purchases a house with a loan after marriage, it is considered a second home. The couple may not have their household registration together after marriage, but there must be a marriage registration record. When approving a loan, the bank will not only require the borrower to provide the household registration book, but also require the borrower to provide proof of marital status. Married couples cannot provide single Proof, so when the other party purchases a house, it will also be counted as a second home.

Second house loan process

1. Sign the sales contract: Both parties to the transaction sign the second-hand house sales contract.

2. Interview: The buyer and seller are present to sign the "Personal Housing Loan Contract" with the bank, and provide identification documents such as ID cards and household registers, proof of income, a copy of the business license and official seal and other information. Can be completed on the same day.

3. Preliminary review: The bank will review the customer's loan information. The preliminary review generally takes 3-5 working days.

4. Transfer of ownership: The warrant specialist of the brokerage company will accompany the client to handle the transfer procedures, and the time will be determined by the real estate and land bureau of each district.

5. Mortgage: After obtaining the new real estate certificate, the buyer sends the house book and bank mortgage information to the Real Estate and Land Bureau for mortgage; the time limit varies according to the mortgage time and mortgage amount of each district Real Estate and Land Bureau. The transaction volume is large, and currently the mortgage needs to be queued; the actual time may be longer than 30 working days.

6. Customer repayment: After completing the mortgage, the customer can get the new property certificate and start monthly repayments, and the transaction is completed.