As we all know, the Agricultural Bank of China has also launched a personal housing loan business, and friends who buy the first or second suite can apply for it. However, there are differences in the down payment ratio and loan interest rate between the first suite and the second suite, and the identification standards of the first suite and the second suite are also different. Here, let's first introduce ABC's criteria for identifying the second suite. According to the regulations of the China Banking Regulatory Commission, the identification of the second suite is based on the family, including the person, spouse and minor children, and is not based on whether the loan has occurred; Selling the first house can be regarded as a houseless household. The following are the specific standards for the second house. 1. The number of residential units in the commercial personal housing loan is determined according to the number of complete housing units actually owned by the family members (including the borrower, spouse and minor children, the same below) to be purchased. 2. For municipalities directly under the central government, cities with separate plans, provincial capitals and other cities with inquiry conditions, the local real estate authorities can inquire about the borrower's family housing registration records through the housing registration information system and issue written inquiry results. We will inquire about the borrower's family housing registration records according to the requirements of the local regulatory authorities. If it is temporarily impossible to provide the results of family housing registration inquiry due to local conditions, the borrower will be required to submit a written credit guarantee for the actual number of family housing units. If the credit guarantee is verified to be false, it should be recorded in the bad record, and corresponding measures can be taken according to the credit guarantee and loan contract. 3. In any of the following circumstances, the bank shall implement the second (or above) differentiated housing credit policy for the borrower: 1. The borrower applies for a loan to buy a house for the first time, and his family has registered one or more houses in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located; 2. The borrower has used the loan to purchase more than 1 house (inclusive) and applied for the loan to purchase the house; 3. Banks are convinced that the borrower's family owns a set (or more) of housing through due diligence in the form of inquiring about credit records, face-to-face tests, and interviews (home visits when necessary). 4. For non-local residents who cannot provide local tax payment certificates or social insurance payment certificates 1 year or more, banks should implement the second (and above) differentiated housing credit policy. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, banks shall implement differentiated housing credit policies according to Article 3 above.