1. At present, the bank implements the principle of recognizing loans and not recognizing houses. As long as there is no outstanding mortgage in the name of the buyer's family, it can be accepted according to the loan policy of the first home. The family consists of three kinds of people, my spouse's minor children, and a family who wants to buy a house again is called two sets as long as there is an outstanding mortgage. The third suite is also a family unit.

2. If a family has two mortgages, it is calculated as three suites. The head office's credit standard for granting three or more mortgages is that "the down payment ratio and interest rate must be greatly increased". The policies of different regions and banks are different, but basically the down payment of three suites is 5%, and the loan interest rate rises by 15% to 2%.

3. When the second suite is defined, if the buyer has registered a loan to buy a house in the bank credit information system and the loan has not been settled, then when applying for a loan to buy a house, the house will be defined as a second suite or above. If the loan has been settled, even if the buyer has a suite, the banking financial institution will still implement the first home loan policy.