1. If the borrower applies for a loan to buy a house for the first time, and his family has registered 1 house or above in the house registration system of the place where he intends to buy a house, the house he purchases with the loan must be the second house or above.

2. The borrower has used the loan to purchase 1 house and above, and applied for a loan to purchase a house.

3. The bank determines that the borrower's family already has 1 house or above, and then reloans the second house or above.

The situation of being identified as the second suite

1. The borrower applied for a loan to buy a house for the first time, but his family has registered more than one set of houses in the house registration information system where he intends to buy a house.

2. The borrower has used the loan to purchase one or more houses and applied for a loan to purchase houses.

3. If parents have a house, they will buy a house in the name of minor children. According to the New Deal, family members, including borrowers, spouses and 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, it will be implemented in accordance with the second suite policy.

4. When I was a minor, I had a property under my name, and then I borrowed money to buy a house when I was an adult. According to the current bank policy of "recognizing loans and houses", if I don't sell my existing property, I will borrow money to buy a house.