The so-called "second suite" is the abbreviation of the second set of ordinary self-occupied housing. Wuxi's identification of the second suite is based on the family (including the borrower, spouse and minor children). If the per capita housing area of the borrower's family is higher than the local average level, he shall apply to the commercial bank for housing again.

In order to make it easier to understand, we divide the identification conditions of the second suite into the following three parts:

First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children);

Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level;

Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.