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.

The relevant policies are as follows:

1.Since 2009, speculative consumption has caused excessive consumption in the real estate market, tight supply, frenzied quantity and rapid housing prices. The residential property of real estate has been downgraded to the second property, and the boiling public grievances have caused great pressure on the decision-making level. This wave of regulation is aimed at real estate speculators who buy multiple suites. "For the purchase of third and above houses with loans, the down payment ratio and interest rate level will be greatly increased"; "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"; According to the requirements, "in areas where commodity housing prices are too high, rising too fast, and supply is tight, commercial banks can suspend the issuance of loans for the purchase of third and above houses". The policy is very clear and targeted, and it is very lethal to real estate speculators, especially those who move around the country.

2. The personal loan business manager of a branch of China Construction Bank said that the three-suite loan suspension rule is mainly aimed at first-tier cities with high housing prices, and Beijing, as a typical representative of the soaring mortgage, will definitely be strictly enforced by banks at the beginning of the policy.

3. The business manager pointed out that the bank now calls those customers who have bought a house twice, whether they have paid off the loan or not, as three suites before buying a house, unless the customer's qualifications are particularly good, and the customer accepts a high down payment and a high interest rate. "This situation is not much."

4. With the release of the "contraction order" of management's mortgage, banks are at the cusp of vigorous review by regulatory authorities. The above business manager told reporters that banks are not inclined to do the third home loan business. At present, most banks, especially state-owned banks, will choose to suspend the approval of the third home loan.

5. Will real estate customers resist the pressure of high down payment ratio and high loan interest rate for the third suite, and still choose loans to buy the third suite or even more suites? An intermediary business person said that with the management's increasing control over the real estate market, those customers have already fallen into a dilemma, and the expectation that house prices may continue to fall has temporarily "stopped".