The identification of individuals applying for commercial housing loans for two suites follows the family as the unit. With the issuance of the Notice of the Ministry of Housing and Urban-Rural Development, the Central Bank, and the China Banking Regulatory Commission on Standardizing the Criteria for Determining the Second Suite in Commercial Personal Housing Loans, the much-anticipated criteria for determining the second suite have finally been settled. Individuals applying for commercial housing loans to identify the second suite follow the principle of "taking the family as the unit, recognizing the house and recognizing the loan". "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 higher than the local average level, and then applies for housing loans from commercial banks. What are the specific criteria for identifying the second suite? First, the number of residential units in commercial personal housing loans should be determined according to the actual number of complete sets of housing units owned by family members who intend to purchase houses (including borrowers, spouses and minor children, the same below). Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results. If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record. 3. In any of the following circumstances, the lender will implement the second set of differentiated housing credit policies for the borrower: (1) The borrower applies for using the loan to purchase a house for the first time, and his family has registered more than one complete house in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased; (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). IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice. For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.