Personal second home loan
The second home loan refers to the housing other than the first home purchased by the borrower with the loan. The first set of self-occupied housing refers to the housing purchased by the borrower for self-occupation for the first time with loans. On the evening of September 27th, 2007, the People's Bank of China and China Banking Regulatory Commission jointly issued a notice on strengthening the credit management of commercial real estate. On June 4, 20 10, the Ministry of Housing and Urban-Rural Development, the Central Bank and the China Banking Regulatory Commission issued the criteria for the identification of second suites, which made it clear that the identification of second suites was based on the family, that is, if family members owned real estate or had loan purchase records, they were all identified as second suites. For off-site buyers who cannot provide local tax payment certificates or social insurance payment certificates for more than 1 year, the second-home loan credit policy shall be implemented, and their mortgages may be suspended in hot areas.
(The above answers were published on 20 13-02-20. Please refer to the actual situation for the current purchase policy. )
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