Before the new "National Ten Articles", the types of individual housing loans were usually divided into "the first set" or "the second set and above". The new mortgage policy is based on the number of houses to determine whether it is the second or third set, and the scope of determination is based on families. This is a fundamental change to the previously implemented second suite identification standard. Now banks call those customers who have bought houses twice, whether they have paid off their loans or not, as three suites and then buy houses.

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Legal basis: The Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities implements a stricter differentiated housing credit policy. For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. The People's Bank of China and the China Banking Regulatory Commission should guide and supervise commercial banks to strictly manage housing consumption loans. The Ministry of Housing and Urban-Rural Development shall, jointly with the People's Bank of China and the China Banking Regulatory Commission, promptly formulate the standards for the identification of the second set of housing.

It is necessary to strictly limit all kinds of real estate speculation and speculative house purchase. In areas where the price of commodity housing is too high, rising too fast and the supply is tight, commercial banks may suspend the issuance of loans for the purchase of third and above houses according to the risk situation; Non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more will be suspended from issuing house purchase loans. The local people's government can take temporary measures to limit the number of houses within a certain period of time according to the actual situation.