Criteria for identifying three packages:

The eight categories of people identified by banks as the third home loan are summarized as follows:

The first type: there are two sets of commercial loan records in the name of the individual, one set has been paid off and sold, and the other set has not been paid off. If this situation is refinanced, it will be recognized by the bank as the third set of housing loans.

The second type: there are two sets of commercial loan records in the name of the individual, all of which are paid off and sold. Although two sets of housing sales certificates can be provided, and there is no real estate in the name of the individual, it will also be considered as the third suite when refinancing.

The third type: a set of commercial loans under the name of an individual has been paid off, and another set of provident fund loans has also been paid off. The borrower wants to use the provident fund loan to buy another property, which is regarded as three suites according to the new provident fund policy and implemented according to the three-suite loan policy.

The fourth type: the first set of housing provident fund loans, the second set of housing commercial loans, and the second loan is also prepared to use commercial loans. This situation will definitely count as three sets.

Fifth, both husband and wife, before marriage, one party uses commercial loans to buy a house, and the other party uses provident fund loans to buy a house. After marriage, both want to borrow money in the name of husband and wife. According to the New Deal, although both of them are personal loans before marriage, buying a house in the name of husband and wife is still the third suite because it is recorded in the central bank's credit information system.

The sixth type: husband and wife, one of whom has a house before marriage but has not sold it with a loan, and the other has used a commercial loan to buy a house for his parents, and then uses a provident fund loan to buy a house in the name of the one without a loan after marriage. According to the current provident fund loan policy, no matter whether the property under the individual's name has been sold or not, whether the loan has been paid off or not, when the provident fund is used for refinancing, it will be regarded as the record of buying a house, and under the policy standard of recognizing the house and the loan as a unit, it will be regarded as the third loan to buy a house, and the loan will be stopped.

Seventh, both husband and wife, before marriage, bought a house in full in one party's name, and bought a house with provident fund loan, which has been paid off and not sold. Before buying a house after marriage, they want to apply for provident fund loan in the other party's name. According to the new policy of provident fund loan, the property purchased after marriage belongs to the third suite, and the provident fund is currently suspended.

Eighth, both husband and wife, before marriage, buy a house in full, but there is no loan in their name. Buy a house in full in the name of the other party after marriage. Now they are going to use the provident fund loan to buy another suite in the same name. According to the current new provident fund policy, the house they are going to buy again belongs to the third suite, and the provident fund loan is suspended.