seven kinds of situations can be identified as two suites. 1. Analysis of buying a house in the name of minor children when parents have a house: According to the New Deal, family members include borrowers, spouses and minor children, that is to say, minor children are also classified as families. Therefore, when buying a house in the name of minor children, it will be implemented according to the second suite policy, that is, the down payment will be 5% and the interest rate will rise by 1.1 times. If you sell this property and then borrow money to buy a house, you can implement the first home loan policy. 2. Analysis of buying a house with a loan when you are a minor: According to the current bank policy of "recognizing the loan and recognizing the house", if you don't sell the existing house, buying a house with a loan belongs to the second suite, which will be implemented according to the policy of the second suite. It was originally determined that the second suite was mainly based on the loan record. When applying for a loan to buy a house in adulthood, it was not the second set. 3. Analysis of buying a house with a full loan under an individual's name: According to the current bank policy, even if there is no mortgage record before, as long as the bank can find out that there is a property under the applicant's name in the housing property rights trading system, if it does not sell and applies for a loan, it will be recognized as a second suite, which will be implemented according to the loan policy of 5% down payment and 1.1 times higher interest rate. In the past, the policy was to "recognize the loan but not the house", and applying for a loan to buy a house after buying a house in full will not be counted as a second suite. 4. I have borrowed money to buy a house, and then borrowed money to buy a house after the sale. Analysis: At present, the bank recognizes the second suite as "recognizing the house and recognizing the loan". Therefore, even if the property is sold, there is no house under the family name, but because there is a loan record before, it will be counted as the second suite when it is purchased. 5. Analysis of buying a house with a commercial loan for the first time and then using a provident fund loan: At present, the provident fund loan policy is relatively strict. As long as the borrower has a loan record, no matter whether it is settled or sold, even if it has never used a provident fund loan, it will be counted as a second suite for the first time. Therefore, using a provident fund loan to buy a house again, the down payment ratio is 5%. 6. Analysis of one party's loan to buy a house before marriage and the other party's loan to buy a house after marriage: It may be that the husband and wife's registered accounts are not together after marriage, but there must be a marriage registration record. When the bank approves the loan, it will also require the borrower to provide proof of marital status, and the married couple can't provide proof of singles, so the other party will be counted as the second suite when buying a house again. 7. After marriage, both parties * * * use the same loan to buy a house, and after divorce, one party applies for a loan to buy a house. Analysis: At present, the bank recognizes the second suite as "both the house and the loan". As long as the loan records of the parties can be found in the central bank's credit information system, even if the property is awarded to the other party after divorce, this party will be recognized as the second suite when it borrows money to buy a house, so "fake divorce" cannot avoid the new policy of the second suite.