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 (including the pre-sale contract registration and filing system) 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 purchase houses.

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