In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:

1. The borrower applies for using a loan to purchase a house for the first time, and his family has registered one or more complete houses in the house registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased;

2. The borrower has used the loan to purchase more than 1 house (inclusive) and applied for the loan to purchase the house;

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

There is no loan record in his name, but the original house is occupied by the first case, so it is identified as the second suite.

Extended data:

Relevant provisions of the Notice on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans

For non-local residents who can provide local tax payment certificates or social insurance payment certificates for more than 1 year to apply for housing loans, the lender shall implement differentiated housing credit policies in accordance with Article 3 of this Notice.

For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.

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