Second Suite decided no longer fuzzy there is no loan record as the only standard

"Whether or not the loan is repaid or the house has changed hands, as long as the family members have a loan record, the purchase of a house is counted as two suites."　　"Today, some banks are no longer vague about two of mortgages, and" there is no loan record "as the only measure. Jinan Citizen Mr. Tian's original set of more than 80 square meters of housing, recently, he wants to buy a set of more than 140 square meters of residential to improve living conditions. "The original loan has been repaid, and can the loan be implemented with a housing rate?"　　"Mr Tien consulted a number of banks and received a reply that" as long as there is a loan record, even two suites. " Mr. Lu wants to sell his first suite and then loan to buy a bigger house.　　In this case, Mr Lu thinks it should be the first suite, but the loan bank said that as long as the credit system in the People's bank had a loan record, it is considered as two suites. Recently, the CBRC reiterated the two suite policy, made it clear that "banks may not be based on the credit system is not networked, off-site purchase difficult to investigate, such as the abandonment of the ' second mortgage ' policy constraints, not to explain the ' two mortgage ' determination standards."　　"Before this, some banks on the" two sets of mortgage "have different standards, and some households as a unit to identify two suites, and some individuals as a unit to identify two suites, and buyers pay off loans and then loan, and some banks are considered a house. 28th, the reporter consulted ICBC, Construction Bank, Bank of China, Merchants Bank, Qilu Bank and other seven or eight banks to understand that all the families are "have no loan record" as the standard.