The second suite has the theory of "recognizing the house" and "recognizing the loan". The so-called recognition of housing means that as long as you have the first property, you can buy a second one; Loan confirmation means that even if you have the first set or more, as long as you have never made a loan and there is no loan information in your credit history, you will treat it as the first set if you buy it again. The Housing Authority definitely recognizes housing, which means that as long as you have real estate, you will pay taxes according to the second set, but according to the current policy of CCB, you still recognize loans.

In short, those who have the first set or have the first set, as long as they have a provident fund or mortgage loan, will be treated as two sets at CCB, with a down payment of 60%; On the contrary, if you have more than N houses, but you have never made a loan, and your credit history is clean, you can apply for a loan according to the first set when you arrive at CCB. However, it is different when I arrive at ICBC, which recognizes both loans and houses.