There are seven conditions for the bank to approve the second suite: \ x0d \ x0d \ 1. According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also included in the family. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy. \x0d\\x0d\ II。 When you are a minor, you can borrow money to buy a house when you are an adult. \x0d\\x0d\ Detailed explanation According to the current bank's "loan recognition and house recognition" regulations, if I don't sell the existing property, I will borrow money to buy a house belonging to the second suite, which will be implemented according to the second suite policy. According to the past policy, as long as there is no loan for minors' real estate, applying for a mortgage is not a second set. \x0d\\x0d\ III。 If an individual has a house purchased in full, he can borrow money to buy a house \ x0d \ x0d \ Explain in detail that in the past, he only "recognized the loan", but now he has added "recognized the house". Although there is no loan, as long as he has a house under his name, he applies for a loan in the housing property rights trading system and does not sell it. \x0d\\x0d\ IV。 Personal loan to buy a house, and then use the loan to buy a house after sale \ x0d \ x0d \ detailed explanation. At present, the bank's identification of the second suite is "both houses and loans", that is to say, after the property bought by the loan is sold, although there is no house under the family name, if there is a loan record before, it will also be counted as the second suite. \ x0d \ x0d \ V. Buying a house with a commercial loan for the first time and using a provident fund loan for the second time \ x0d \ x0d \ Detailed explanation The current provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, even if the provident fund loan has never been used, the first application for provident fund loan is considered as a second suite. \x0d\\x0d\ VI。 One party borrowed money to buy a house before marriage and applied for a loan to buy a house in the name of the other party after marriage, but their registered accounts are not together \ x0d \ x0d \ Detailed explanation: although the registered accounts of the married couple are not together, they have been registered with the Civil Affairs Bureau. Now, when issuing loans, banks will require borrowers to provide proof of marital status in addition to household registration books, while married couples can't provide proof of singles, so when buying a house again, they will count the other party as a second suite. \x0d\\x0d\ VII。 After marriage, both parties use the same loan to buy a house, and after divorce, one party applies for a loan to buy a house. \ x0d \ x0d \ Explain in detail that as long as the mortgage record can be found in the central bank's credit information system, even if the property is awarded to one party after divorce, the other party will be recognized as a second suite with a loan. This has made many attempts to evade the new deal of the second suite through "fake divorce" go down the drain.