Legal analysis: one of the husband and wife has a pre-marital property, and the other party buys a house after marriage, which counts as a second suite. The Notice on Standardizing the Second Set of Housing Identification Standards for Commercial Personal Housing Loans stipulates that the number of housing units for commercial personal housing loans shall be determined according to the number of complete housing units actually owned by family members (including borrowers, spouses and minor children).

Legal basis: In any of the following circumstances, the lender shall implement the second or above differentiated housing credit policy for the borrower:

(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;

(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;

(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).