(A) Shanghai housing registration standards for the second suite

1. If you buy a set of loans, you can check the property in the housing registration system, and if you buy it again, you can count it as a second set;

2. I bought a set of loans and sold them. I can't find the real estate in the house registration, but I can find the loan records in the bank credit information system. Again, two sets;

3. I bought a house in full, but I couldn't find the house registration after selling it, and then buying a house with a loan is not a second house;

4. Buying a house in full, the housing registration system can find that the loan to buy a house is the second set;

5. The purchaser does not have the conditions for housing registration and inquiry. After investigation and verification by the bank, if the purchaser already has a set of housing, the second set of housing will be counted as the second set.

(2) Shanghai Bank Second Suite Identification Standard

1. If you buy a house in the name of a minor child under the name of your parents, it will be regarded as a second suite.

2. In the name of a minor, buying a house again after adulthood counts as a second house;

3. If the individual has purchased the house in full, and borrowed the house again, it will be regarded as the second suite;

4. There is a loan to buy a house under the name of the individual, and the loan is counted as the second suite after the sale;

5. Buying a house for the first time, then buying a house and then buying a house is the second house;

6. One party borrows money to buy a house before marriage, and applies for a loan to buy a house in the name of the other party after marriage, but the accounts are not together to calculate the second house;

7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house, which is regarded as a second house.

(C) Shanghai, the second set of improved housing standards

If the per capita family area is less than 33.4 square meters, buying a second house is an improved house, not a second house. On the contrary, if the per capita area is more than 33.4 square meters, buying a second house is considered as a second house.

Legal basis:

Notice on standardizing the second set of housing identification standards in commercial individual housing loans

In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:

(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;

(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;

(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).