The second suite is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgage housing that is recognized by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average, and then applies for housing loans from commercial banks again. For families who buy a second home by loan, the down payment ratio is not less than 6%, and the loan interest rate is not less than 1.1 times of the benchmark interest rate.

First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children);

Second, based on the total area of family housing issued by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level;

Third, families who have used housing provident fund loans to buy houses and then apply to commercial banks for housing loans.

For families who purchase a second home by loan, the down payment ratio shall be no less than 6%, and the loan interest rate shall be no less than 1.1 times of the benchmark interest rate.

New standard for the identification of second homes:

The new standard for second homes is based on the family, which recognizes both the house and the loan. In addition, people from different places must provide the tax payment certificate or social insurance payment certificate of the place where they plan to buy a house for more than one year, otherwise they will be calculated as second home loans.

On June 4, 21, the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Standardizing the Criteria for Determining the Second Home in Commercial Personal Housing Loans, which defined the criteria for determining the second home: 1. The number of residential units in commercial personal housing loans should be determined according to the number of complete houses actually owned by members of the family (including borrowers, spouses and minor children, the same below).

2. Upon the application or authorization of the borrower, the competent real estate departments of municipalities directly under the central government, cities with separate plans, provincial capital cities and other cities with inquiry conditions should inquire about the borrower's family housing registration records through the housing registration information system and issue written inquiry results.

If the inquiry result of family housing registration cannot be provided because the local conditions are temporarily unavailable, the borrower shall submit a written credit guarantee for the number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded as a bad record.

III. In any of the following circumstances, the lender shall implement the second (or above) differentiated housing credit policy for the borrower:

(1) The borrower applies for using the loan to purchase a house for the first time, if his family has registered a set (or above) of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased;

(2) The borrower has used the loan to buy a house (or above) and applied for a loan to buy a house;

(3) The lender is convinced that the borrower's family already has a set (or more) of housing through due diligence investigation in the form of inquiry of credit records, face-to-face survey and interview (home visit when necessary).

IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates for more than one year, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice.

For non-local residents who cannot provide local tax payment certificates or social insurance payment certificates for more than one year, the lender shall implement the second set (or above) of differentiated housing credit policies; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.

5. All localities should pay close attention to the construction of urban housing registration information system as an important work to implement Document No.1 [21] of the State Council. Cities with incomplete data should further improve the system; Cities that have not yet established a housing registration system should speed up construction. Before the end of 21, all districts and cities should basically establish a housing registration information system.

The management of housing information inquiry should be strengthened. The real estate administrative department shall make inquiries in strict accordance with the Interim Measures for the Inquiry of Housing Ownership Registration Information (J.J. [26] No.244) and the Trial Measures for the Management of Housing Register (J.J. [28] No.84), and issue written inquiry results. Those who provide false inquiry information shall be dealt with severely according to relevant regulations.

Seven situations in which a bank recognizes a second suite

1. Parents own a house and buy a house in the name of minor children

Detailed explanation: According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

2. If you have a property under your name when you are a minor, you can borrow money to buy a house when you are an adult

Detailed explanation: According to the current bank's "loan recognition and house recognition", if you don't sell the existing property, you can borrow money to buy a house as a second suite, which will be implemented according to the policy of second suite. According to the past policy, as long as there is no loan for the minor property, it is not a second set to apply for a mortgage.

3. If an individual has a house purchased in full, he can borrow money to buy a house

Detailed explanation: In the past, he only "recognized the loan", which was not considered as a second suite, but now he has added "recognized the house". Although he has never borrowed money, as long as he can find out that there is a house under his name in the house property rights trading system, he will be recognized as a second suite without selling it and applying for a loan.

4. The individual has a loan to buy a house, and then he borrows money to buy a house after settlement and sale

Detailed explanation: At present, the bank recognizes the second suite as "recognizing the house and recognizing the loan", that is to say, although there is no house under the family name after the property bought by the loan is sold, it will be counted as the second suite if he applies for a mortgage because he has a loan record before.

5. Use commercial loans for the first time and provident fund loans for the second time

Detailed explanation: At present, the provident fund loan policy is also strict. As long as the borrower has a mortgage record, regardless of whether the mortgage is settled or not and whether the property is sold, even if he has never used provident fund loans, the first application for provident fund loans will be counted as a second suite.

6. Before marriage, one party used a loan to buy a house, and after marriage, it applied for a loan to buy a house in the name of the other party, but their household registration was not together.

Detailed explanation: after marriage, although the household registration was not together, the husband and wife had registered their marriage with the Civil Affairs Bureau. Now, when granting loans, banks will require borrowers to provide proof of marital status in addition to household registration books, while married couples can't provide proof of singles, so the other party will be counted as a second suite when buying a house again.

7. After marriage, both parties * * * use the same loan to buy a house, and after divorce, one party applies for a loan to buy a house

Detailed explanation: As long as the mortgage record can be found in the credit information system of the central bank, even if the property is awarded to one party after divorce, the other party will be recognized as a second suite when it borrows money to buy a house. This makes many attempts to avoid the new deal of the second suite through "fake divorce" go down the drain.