If one party purchases a house with a loan before marriage, if it is a full purchase or the loan has been paid off, it is classified as the first house; if the loan has not been repaid, it is classified as a second house.

Requirements:

First, determine the number of mortgage loans based on the borrower’s family (including the borrower, spouse and minor children);

Second, based on the local Based on the total area of ??family housing issued by the real estate management department based on the housing registration information system, the per capita housing area of ??the borrower's family is higher than the local average housing level;

The third is those who have used loans (including provident fund loans) to purchase houses Families then apply for housing loans from commercial banks.

Beijing policy:

On March 17, 2017, the Beijing Municipal Housing and Urban-Rural Development Commission, the Municipal Planning and Land Commission, the Municipal Housing Provident Fund Center, the Municipal Banking Regulatory Bureau, and the Business Management Department of the People’s Bank of China jointly A press conference was held to further upgrade the regulation of Beijing's property market. Residents whose families already own a house in this city, or who have no house in this city but have commercial housing loan records or provident fund housing loan records.

The down payment ratio for purchasing an ordinary self-owned house shall not be less than 60%, and the down payment proportion for purchasing a non-ordinary self-owned house shall not be less than 80%. The issuance of personal housing loans with a loan term of more than 25 years (excluding 25 years) is suspended. (Including provident fund loans). In addition, commercial housing purchased by an enterprise must be listed for trading again for three years or more. If the transaction object is an individual, the city's purchase restriction policy will be followed. ?

Reference for the above content: Baidu Encyclopedia-Second Suite