1, the loan has bought a suite, the commercial loan has been settled, and then the loan is used to buy the first house. If the loan is not settled, two sets will be liquidated;

2. There are commercial loan records of two suites in the personal name, one set has been paid off and the other set has not been paid off. At this point, the refinancing was identified as more than two suites;

3. Husband and wife, one party buys a house before marriage and uses a commercial loan, while the other party buys a house before marriage and uses a provident fund loan. After marriage, they want to borrow money in the name of husband and wife. If the loan is not repaid, the second suite or above will be liquidated;

4. I bought a suite in full, and the loan to buy a house is the first set.

What information do you need to apply for a second home loan?

To apply for a second housing loan, you need the following information:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse;

2. The original purchase agreement;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;

5. The developer's collection account number is 1 copy.

Legal basis: Article 12 of People's Republic of China (PRC) Urban Real Estate Management Law.

The transfer of land use rights shall be carried out by the municipal and county people's governments in a planned and step-by-step manner. The land management department of the people's government of the city or county shall, jointly with the urban planning, construction and real estate management departments, draw up a plan for the use, life and other conditions of each plot, and implement it after being reported to the people's government with the right of approval in accordance with the provisions of the State Council.

The exercise of the functions and powers prescribed in the preceding paragraph by the people's governments at the county level and the relevant departments of municipalities directly under the Central Government shall be prescribed by the people's governments of municipalities directly under the Central Government.