The second suite is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is lower than the local average level, and then applies for housing loans from commercial banks.
The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the place where the house is to be purchased for more than 1 year, otherwise it will be calculated as the second home loan.
Extended data:
According to the notice jointly issued by the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission, three situations will be identified as second suites:
1. The borrower applies for using a loan to purchase a house for the first time, and his family has registered one or more complete houses in the house 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 purchase more than 1 house (inclusive) and applied for the loan to purchase the house;
3. Make sure that the borrower's family owns one (or more) housing through due diligence in the form of credit record inquiry, face-to-face test and interview (if necessary).
Baidu encyclopedia-second suite