Seven situations in which banks identify two suites.
1. If there is a house in the name of parents, buy a house in the name of minor children.
Detailed explanation: According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also listed as family members. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.
2. If you have a property under your name when you are a minor, you can borrow money to buy a house when you are an adult.
Detailed explanation: According to the current bank's "loan recognition and house recognition", if the existing property is not sold, the second loan purchase belongs to the second suite, which will be implemented according to the policy of the second suite. According to the past policy, as long as there is no loan for the minor's property, it does not belong to the second set of mortgage loans.
3. If there is a house purchased in full under the name of the individual, the loan is used to buy a house.
Detailed explanation: In the past, we only "recognized the loan", not counting the second suite, but now we have added "recognized the house". Although we have never made a loan, as long as we can find a house in our name in the house property right transaction system, we will also be recognized as a second suite, without having to sell it and apply for a loan.
4. Individuals have a loan to buy a house, and then the loan is used to buy a house and sell it.
Detailed explanation: At present, the bank's identification of the second suite is "recognizing the house and recognizing the loan", that is to say, although the property purchased by the loan is sold, there is no house under the family name, but because of the previous loan record, applying for a mortgage will also be counted as the second suite.
5. Use commercial loans for the first purchase and provident fund loans for the second purchase.
Detailed explanation: At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, whether the mortgage is settled or not, even if he has never used the provident fund loan, the first application for the provident fund loan will be counted as the second suite.
6. One party borrowed money to buy a house before marriage and applied for a loan to buy a house in the name of the other party after marriage, but their accounts were not together.
Detailed explanation: Although the husband and wife were not together after marriage, they registered their marriage with the Civil Affairs Bureau. Now, when issuing loans, banks will require borrowers to provide proof of marital status in addition to household registration books, while married couples cannot provide proof of single status, so when buying a house again, the other party will be counted as a second suite.
7. After marriage, both parties jointly borrow money to buy a house, and after divorce, one party applies for a loan to buy a house.
Detailed explanation: As long as the mortgage record can be found in the central bank's credit information system, even if the property is awarded to one party after divorce, the other party will be recognized as a second suite when it borrows money to buy a house.