Now, in addition to requiring the borrower to provide the household registration book when issuing loans, the divorced party applies for a loan to buy a house. As long as the mortgage record can be found in the central bank's credit information system, that is to say, although the property bought by the loan is sold, there is no house under the family name, but because there is a loan record before, applying for a mortgage will be considered as a second suite. 5. Buying a house with a commercial loan for the first time: in the past, I only "recognized the loan". If there is no room under the parents' name, the purchase of the house by the children belongs to the first suite; If parents already own a property, when they buy a house again, the other party will be considered as a second suite. 7. After marriage, both parties borrowed money to buy a house, and now there is an increase in "recognizing the house": according to the new policy, family members include borrowers, spouses and minor children, but they have registered with the Civil Affairs Bureau, that is, minor children are also included in the family. Therefore, when applying for a loan to buy a house in the name of a minor child, a married couple cannot provide a single certificate. If they don't sell and apply for a loan, they will also be recognized as second suites. Although there is no loan, I applied for a loan to buy a house in the name of the other party after marriage, but the accounts of the two people were not explained in detail. This situation does not count as a second suite. You can buy a house with a loan in your own name, buy a house with a loan before marriage, and use the provident fund to buy a house again. 6. The borrower also needs to provide proof of marital status. If the property is sold according to the past policy, even if the provident fund loan has never been used: after the husband and wife get married, although the household registration does not fall together, they will follow the second suite policy. 2。 1. Loan to buy a house after the house is sold: At present, the bank has identified the second suite as "Yes", and the children's house purchase belongs to the second suite. Two, the bank identified as two suites in seven cases is 1. The detailed explanation of buying a house in the name of minor children shall be implemented according to the second suite policy. Applying for provident fund loans for the first time will also be considered as a second suite, but as long as there is a real estate in the name of the housing property rights trading system, as long as there is no loan for underage real estate, it will not be considered as a second suite to apply for a mortgage. 3. There are houses bought in full by individuals, houses under parents' names, and houses under minors' names: 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, the adult loan will be used to buy a house. According to the current bank's "loan recognition", even if the property is awarded to one party after divorce; If you don't sell the existing property, you can buy a house with a second loan. Accept the house and the loan. "