1. First of all, it depends on whether there has been any loan behavior. Those who have bought a house in full or borrowed money from relatives and friends before will be regarded as the first set of housing loans when applying for loans from the bank to buy a house; For those who have had housing loans, applying for loans again will be regarded as the second set.

2. Take the family as a unit, that is, you need to inquire about the loan purchase situation of yourself, your spouse and minor children in the personal credit information system. If any of them have a loan purchase record, you will also be regarded as the second set when you apply for a loan purchase.

3. Including provident fund loans and commercial individual housing loans. That is, if you applied for provident fund loans or commercial personal housing loans before, those who apply for loans to buy houses again will be regarded as the second set. However, if the previous application is for personal commercial housing loans, personal comprehensive consumer loans and other commercial personal loans, those who apply for loans to buy housing will be implemented in accordance with the first set of housing loan policies.

4. including settled and outstanding loans. That is to say, those who have a record of purchasing housing loans, regardless of whether they are settled or not, and apply for loans to purchase housing again will be regarded as the second set.