On the identification of the second suite:

First, if there is no room under the parents' name, the children's purchase of a house belongs to the first suite; If the parents already have real estate, the children's purchase belongs to the second suite.

Second, there are seven situations in which the bank recognizes the second suite.

1. If there is a house in the name of parents, buy a house in the name of minor children.

Detailed explanation: According to the new policy, family members including borrowers, spouses and minor children, that is, minor children, are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

2. If you have a property under your name when you are a minor, you can borrow money to buy a house when you are an adult.

Detailed explanation: According to the current bank's "loan recognition and housing recognition", if the existing real estate is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for minors' real estate, applying for a mortgage is not a second set.

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

Detailed explanation: in the past, only "loan recognition" was used, not counting the second suite, but now "house recognition" has been added. Although there is no loan, as long as we can find the property under our name in the housing property rights trading system, we will be recognized as the second suite without selling it or applying for a loan.

4. Individuals have a loan to buy a house, and then use the loan to buy a house after the sale.

Detailed explanation: At present, the bank's identification of the second suite is "recognizing the house and recognizing the loan", that is to say, although the property bought by the loan is sold, there is no house under the family name, but because of the previous loan record, applying for a mortgage will also be counted as the second suite.

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

Detailed explanation: At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, even if the provident fund loan has never been used, the first application for provident fund loan is considered as a second suite.

6. 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.

Detailed explanation: Although the husband and wife are not together after marriage, they are registered in 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.

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.

Detailed explanation: As long as the mortgage records can be found in the central bank's credit information system, even if the real estate is awarded to one party after divorce, the other party will be recognized as a second suite with a loan.