"Recognition of the house" shall be based on the "Certificate of Real Estate Registration under Personal Name" found in the archives of the Housing Authority. The "loan identification" is based on the "personal credit report" found by the credit information system of the People's Bank of China.
It should be noted that all residential houses, including commercial housing, affordable housing, price-limited housing, homestead, collective land ownership housing, etc. As long as the marked purpose is "residence" or "residence", it is included in the calculation range of family housing units.
Therefore, if a family has a house, buying a house again is the second set of loans.