According to the second suite identification standard:

Before marriage, one party borrowed money to buy a house, and after marriage, he applied for a loan to buy a house in the name of the other party, but their accounts were not together.

However, because 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 can't provide proof of singles, so when buying a house again, they will count the other party as a second suite.

So it will still be the second suite.

One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

Therefore, the spouse is still repaying the loan, which will affect the provident fund loan to buy a house.

Extended data

Seven conditions for the bank to identify the second suite.

1. If parents have a house, buy another one in the name of minor children.

2. When you are a minor, you have a real estate, and then you can borrow money to buy a house when you are an adult.

3. If there is a house bought in full under the name of the individual, then buy a house with a loan.

4. There is a loan to buy a house under the name of the individual, and then the loan is used to buy a house after the sale.

5. Use commercial loans for the first purchase and provident fund loans for the second purchase.

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.

7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house.

reference data

Baidu Encyclopedia Suite 2

Baidu Baike Housing Provident Fund Loan