Recognition of loans but not housing includes provident fund loans. In most cities, the loan records for those who do not recognize housing loans are based on the personal credit report of the People's Bank of China and the records in the housing provident fund business management system. That is, it checks whether the employee family has provident fund loan records and unsettled commercial housing loans, and does not inquire about the housing in the name of the employee family.

What does it mean to accept a loan but not a house?

It is no longer determined by the number of houses owned by a family. As long as families buying a second home have paid off the first loan, their second loan will also be based on the same First house certification.

The number of housing units for housing provident fund loans in most cities is "acceptance of the loan but not the housing". The number of housing units needs to be checked and verified through the People's Bank of China's credit information system and the housing provident fund management system. Provident fund loan, identification of number of housing units:

1. If the borrower and his spouse have no outstanding personal housing loan records, it will be considered as a first-time home loan.

2. If the borrower and his spouse have only one personal housing loan record that has not been repaid, it is considered a second home loan.

3. If the borrower and his spouse have more than two (including two) personal housing loan records that have not been repaid, it will be deemed as a three-home loan.

In addition, for houses with 40-year property rights or 50-year property rights purchased with personal loans, whether these houses are included in the scope of "house subscription" and whether their loans are included in the scope of "subscription loan" depends on the conditions in each city. How the policy is stated. Therefore, before individuals buy a house, they must understand the city’s policies and their interpretation.