If you have a loan from other places, buying a house in Beijing counts as a second home.

In any of the following circumstances, the lender shall implement the second (and above) set of differentiated housing credit policies for the borrower:

1. The borrower applies for a loan to purchase a house for the first time , if the family has registered one (or more) complete houses in the housing registration information system (including pre-sale contract registration and filing system, the same below) of the place where the house is to be purchased;

2. The borrower has used Having purchased a house (or more) with a loan, and then applying for a loan to purchase a house;

3. The lender conducts due diligence through inquiry of credit records, face-to-face test, interview (residence visit if necessary), etc. , it is believed that the borrower's family already has one (or more) houses.

4. For non-local residents who can provide proof of local tax payment or social insurance payment for more than one year when applying for housing loans, the lender will implement differentiated housing credit policies in accordance with Article 3 of this notice.

Extended information:

Beijing policies

On March 17, 2017, the Beijing Municipal Housing and Urban-Rural Development Commission, the Municipal Planning and Land Commission, the Municipal Housing Provident Fund Center, and the Municipal Bank The Supervision Bureau and the Business Management Department of the People's Bank of China jointly held a press conference to further upgrade the regulation of Beijing's property market.

For residents whose families already own a house in this city, or who do not have a house in this city but have commercial housing loan records or provident fund housing loan records, the down payment ratio for purchasing an ordinary self-owned house is not low. The down payment ratio for purchasing a non-ordinary owner-occupied house shall be no less than 80%.

The issuance of personal housing loans with a loan term of more than 25 years (excluding 25 years) is suspended. (Including provident fund loans). In addition, commercial housing purchased by an enterprise must be listed for trading again for three years or more. If the transaction object is an individual, the city's purchase restriction policy will be followed.

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