Recognition criteria for couples' second set of housing:
 1. Before marriage, one party had borrowed money to buy a house, but after marriage, they applied for a loan to buy a house in the name of the other party. Although the husband and wife did not get their hukou together after marriage, they had registered marriage with the Civil Affairs Bureau. Now, the bank requires the borrower to provide the certificate of marital status in addition to the account book when granting loans. Married couples cannot provide the certificate of single status, so the other party will also be counted as the second house when buying another house.
 2. The husband and wife have commercial loan records for two suites, one of which has been paid off, and the other has not been paid off. At this time, the refinancing is recognized as more than two suites. The couple, one of whom used commercial loans to buy a house before marriage, and the other used provident fund loans to buy a house before marriage. After marriage, the two wanted to make joint loans in the name of the couple. If the loan has been repaid, the banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to the borrower's solvency, credit status and other specific factors; If the loan is not paid off, it shall be calculated as more than two suites.
 3. After marriage, the two parties jointly loan to buy a house, and after divorce, one party applies for a loan to buy a house. As long as the credit system of the central bank can check the housing loan records, even if the real estate is awarded to one party after divorce, the other party will also be recognized as a second home when it refinances.