Housing identification means that when defining the second suite, if the borrower has registration information in the local housing registration system and buys a house again, the house purchased this time is defined as the second suite and above.
Loan identification means that when the second suite is defined, if the borrower has registered the loan purchase information in the bank credit information system and applied for a loan purchase again, the house purchased this time will be defined as the second suite and above. Loan recognition means that the borrower has many loan records, regardless of whether the loan is paid off or not.
Classification of non-loanable houses:
1: The loan has been settled, and buying a house again is the first suite;
2. If the loan is not settled, then buying a house is considered as a second suite.
Baidu Encyclopedia explained: The concept of "recognizing loans and not recognizing houses" means that the number of houses owned by families is no longer recognized, and the families who are going to buy the second suite pay off the loans of the first suite, and the second set of loans is also recognized according to the first suite. In most cities, the number of housing units with provident fund loans is identified as "accepting loans but not recognizing houses", and the number of housing units needs to be inquired and identified through the credit information system of the People's Bank of China and the housing provident fund management system. Identification of provident fund loans and housing units:
1) If the borrower and his spouse have no outstanding personal housing loan records, it will be regarded as the first home loan;
2) The borrower and his spouse only have outstanding personal housing loan records, which are identified as second-home loans;
3) If the borrower and his spouse have more than two (including two) outstanding personal housing loan records, it will be regarded as the third home loan.
In addition, whether the houses with 40-year property rights or 50-year property rights purchased by personal loans are included in the scope of "recognizing houses" and whether their loans are included in the scope of "recognizing loans" depends on how the policies of various cities are stipulated.
In our vernacular, take Liang Liang (in name only/married) as an example. Liang Liang and his lover have no outstanding personal housing loan records, which will be recognized as the first home loan; Liang Liang and his lover have outstanding personal housing loan records, which will be recognized as the second home loan; Liang Liang and his lover have two or more personal housing loan records that have not been paid off, which will be recognized as the third home loan.
Supplementary explanation:
At the same time, in addition to "recognizing the loan but not the house", there are also "recognizing the house and recognizing the loan" and "recognizing the house and not recognizing the loan".
"Recognizing the house and recognizing the loan" means that when the buyer borrows money to buy a house, as long as the borrower has a house or a mortgage record, it will be defined as a second suite or above. Take Liang Liang (in name only/married) as an example. Liang Liang currently has a suite under his name, or is repaying the mortgage. If he buys a house again, it will be considered as the second suite and above.
"Recognizing the house but not the loan" means that no matter whether the buyer has a loan record or not, as long as the buyer proves that there is no house under his name, it can be recognized according to the first suite; If there is already a suite under the name of the buyer, whether the loan is paid off and then buying a house is determined according to the second suite. Take Liang Liang (in name only/married) as an example. Liangliang doesn't have a house under his name now. Whether Liang Liang has a loan record or not and whether the loan has been paid off, buying a house is the first suite.