2. Do not recognize the loan: No matter whether the buyer has a loan record or not, as long as the buyer proves that there is no room under his name, it can be recognized according to the first suite; If there is already a suite under the name of the buyer, whether to pay off the loan and buy a house will be determined according to the second suite.
3. Refusing to lend or recognize the house: it is no longer determined by the number of houses owned by the family. When a family buys a second suite, as long as it pays off the loan for the first suite and borrows again, it will be determined according to the first suite.
Which is more strict, whether to recognize the house or not to recognize the loan?
1, admit the house but not the loan.
Families with 1 apartment who apply for a loan to buy a house again, regardless of whether they have a loan or not, will be implemented in accordance with the second loan down payment policy.
2. Accept the loan but not the house.
It is no longer determined by the number of houses owned by families. As long as the second-home buyers pay off the first loan, the second loan will be determined according to the first suite.
In most cities, the number of housing units with provident fund loans is identified as "accepting loans but not recognizing houses", and the number of housing units needs to be inquired and identified through the credit information system of the People's Bank of China and the housing provident fund management system. Identification of provident fund loans and housing units:
(1) The borrower and his spouse have no outstanding personal housing loan records, which is regarded as the first home loan.
(2) The borrower and his/her spouse only have outstanding personal housing loan records, which are deemed as second home loans.
(3) If the borrower and his spouse have two or more outstanding personal housing loans, it will be regarded as the third home loan.