Legal subjectivity:

The criteria for identifying second homes are as follows: 1. There is a house in the name of the parents, and the house is purchased in the name of the minor children. According to the new policy, family members include the borrower, Spouses and minor children, that is, minor children, are also classified as family. Therefore, when applying for a loan to purchase a house in the name of a minor child, the second home policy will be followed. 2. If you have a real estate in your name when you are a minor, and then take out a loan to buy a house after you become an adult, according to the current bank's "subscribe loan and subscribe for a house", if you do not sell the existing property, the purchase of a house with a second loan will be classified as a second house, and will be treated as a second house. Policy implementation. According to past policies, as long as there was no loan for the property when the minor was a minor, applying for a mortgage would not count as a second home. 3. There is a house purchased in full in one’s name. In the past, the purchase of a new house with a loan was only “subscription loan”. This situation is not considered a second home, but now “subscription house” is added. Although there is no loan, as long as it is in the house In the property rights transaction system, it can be found that there is a property under the name. If it is not sold and a loan is applied for, it will be recognized as a second home. 4. There is a loan in one’s name to buy a house, and after the sale is settled, the bank will then take out a loan to buy the house. Currently, the bank considers the second house as “acknowledgement of the house and subscription of the loan.” This means that although the property purchased with the loan is sold, there is no longer any house in the family’s name. , but because it has a previous loan record, it will be counted as a second home when applying for a mortgage loan. 5. Use commercial loans for first-time home purchases and provident fund loans for second-time home purchases. The current provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, regardless of whether the mortgage loan is paid off or the property is sold, even if the borrower has never used a provident fund loan, he or she can apply for provident fund for the first time. The loan will also be counted as a second home. 6. One party had taken a loan to purchase a house before marriage, and applied for a loan to purchase a house in the name of the other party after marriage, but the two spouses did not have the same household registration. After the couple got married, although their household registrations were not together, they had registered marriage with the Civil Affairs Bureau. Now, when approving loans, banks not only require borrowers to provide household registration books, but also require borrowers to provide proof of marital status. Married couples cannot provide proof of single status, so the other party will also be counted when purchasing a house. As a second suite. 7. After marriage, both parties take out the same loan to purchase a house, and after divorce, one party applies for a loan to purchase a house. Currently, banks consider the second home as "recognizing both the house and the loan." That is, as long as the mortgage record can be found in the central bank's credit information system. , then even if the property is awarded to one party after the divorce, the other party will still be recognized as a second home when he takes out a loan to buy a house. The law is objective:

"Notice on Regulating the Standards for Recognition of Second Homes in Commercial Personal Housing Loans"

Article 3

One of the following circumstances , the lender should implement the second (and above) set of differentiated housing credit policies for the borrower:

(1) The borrower applies for a loan to purchase a house for the first time, such as in the housing registration information system of the place where the house is intended to be purchased ( Including the pre-sale contract registration and filing system, the same below), the family has registered one (or more) complete houses;

(2) The borrower has used the loan to purchase one (or more) houses , and then applies for a loan to purchase a house;

(3) The lender is convinced that the borrower’s family already has a set of ( and above) housing.