Legal analysis: there are seven situations in which the bank recognizes the second suite: 1, parents have a house under their name, and then buy a house in the name of minor children; 2. Have a property under the name of a minor, and then borrow money to buy a house after adulthood; 3. If there is a house purchased in full under the name of the individual, then borrow money to buy a house; 4. There is a loan to buy a house under the name of the individual, and then the loan is purchased after the sale; 5. Use commercial loans for the first purchase and provident fund loans for the second purchase; 6. One party borrows money to buy a house before marriage, and applies for a loan to buy a house in the name of the other party after marriage, but the two accounts are not together; 7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house.

Legal basis: Notice on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans.

(1) The number of residential units in commercial individual housing loans shall be determined according to the number of complete sets of housing units actually owned by the family members to be purchased (including the borrower, spouse and minor children, the same below).

(2) Upon the application or authorization of the borrower, the real estate departments of municipalities directly under the central government, cities with separate plans, provincial capitals and other cities with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.