Secondly, understand the housing loan policy, because the state cracked down on real estate speculation and stipulated the standards of one suite, two suites and three suites. If the Housing Authority inquiry book shows that the family already has a house, or the personal credit inquiry book shows that there has been a housing loan record in the bank, and then the housing loan is recognized as a second suite by the bank, the general interest rate does not enjoy preferential treatment; If there are two sets of houses, or two sets of housing loan records, the refinancing will be recognized as three suites by the bank and generally will not be issued.
To sum up, banks generally raise the interest rate of second-home loans, but generally do not refuse to issue loans. Personal credit information was entered by Bank A, and the money was borrowed by Bank A when you bought the store. You can fill in an application form at the local People's Bank, and the People's Bank will instruct Bank A, which entered the information, to make corrections, that is, you can change the housing loan into a commercial housing loan. You can also try to get Bank A to send a statement to Bank B, which is now applying for a loan. You can ask whether Bank B approves it first.