银行要查询借款人公开的贷款记录来认定是否为二套房贷款。
Banks rely on the public credit registries system to define whether a loan is for a first house or a second house.
最近，武汉、广州、上海等部分城市的第二套房贷政策出现松动。
Recently, Wuhan, Guangzhou, Shanghai and other parts of the city's second mortgage policy loosening .
但是新的政策为二套房贷款设定了更高的利率，已使她的购房计划变得昂贵得难以负担。
But the new policies setting higher rates for purchases of second homes made that prohibitively expensive.
另一方面，第二套房的贷款利息由基准利率上浮10%，考虑到过去多家银行已将实际住房贷款利率调整为基准利率下浮10%-15%，新的贷款利率实际增长了20%-25%。
de facto rise of 20%-25%in consideration of the actual home loan interest rate which was adjusted to 10%-15% below the benchmark interest rate by most banks in the past.
另一方面，第二套房的贷款利息由基准利率上浮10%，考虑到过去多家银行已将实际住房贷款利率调整为基准利率下浮10%-15%，新的贷款利率实际增长了20%-25%。
de facto rise of 20%-25%in consideration of the actual home loan interest rate which was adjusted to 10%-15% below the benchmark interest rate by most banks in the past.
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