The policy of recognizing house and loan was first put forward on May 26, 20 10. The Ministry of Housing and Urban-Rural Development and other three departments issued the "Notice on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans", which clearly identified the second suite as a family unit and implemented the principle of "recognizing the house and recognizing the loan".

What does it mean to recognize the house and the loan?

1, recognize the house and loan, which means that you have had a mortgage or bought a house before, and then buying a house is even two sets. The Beijing Second Suite Accreditation Standard 20 10 was issued on July 15, 2000, and the second suite will be defined in strict accordance with the principle of "recognizing the house and recognizing the loan". Experts believe that it will aggravate the market wait-and-see mood.

2. The recognition of housing and loan is mainly the standard for banks to judge the first suite and the second suite, that is to say, buyers will buy two sets if they have a house under their name, and two sets if they have a loan under their name (or the loan record is not settled).

3. On the contrary, the corresponding standard is to recognize the house and not to recognize the loan. Recognizing the house but not the loan means that the buyer can still enjoy the preferential treatment of the first suite regardless of the loan record. If you don't recognize the house, you just need to see if the buyer has a loan or a loan record. If not, you can enjoy the first suite discount when buying a house.

4. What is the impact of the introduction of the detailed rules on the housing market? This is considered to be a statement and signal that the regulation will continue to be strictly enforced, so the attitude of continuing to wait and see the property market will definitely increase.

Which groups of people will be affected by "recognizing housing and loans"

1. Buying a house after marriage: 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 to implement two sets of down payment.

2, fake divorce to buy a house: after marriage, both parties have the same loan to buy a house, and there is a mortgage record after divorce. Even if it is awarded to one party and the other party buys a house again, it is also recognized as a second suite.

3. No housing record: there is no housing under the family name, because there is a loan record before, and then applying for a loan will count as two sets.

4, buy a house in full: "recognize the house" Even if you buy a house in full, as long as you find a property under your name, it will be recognized as two sets.