1. The borrower applies for 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 of the place where the house is to be purchased.
2. The borrower has used the loan to purchase one or more houses and applied for a loan to buy a house.
3. The lender is convinced that the borrower's family owns one or more houses through due diligence in the form of checking credit records, face-to-face tests, interviews and home visits when necessary.