What is the second suite? What is the standard for identifying the second suite? The second suite is the abbreviation of the second set of ordinary self-occupied housing. It refers to a set of mortgaged housing that is determined by the borrower's family (including the borrower, spouse and minor children) that the per capita housing area of the borrower's family is higher than the local average level, and then applies for a housing loan from a commercial bank. What is the standard for identifying the second suite? 1. Loan to buy a suite, commercial loan has been settled, and then loan to buy a house-the first set; If the loan is not settled-two sets. 2. There are commercial loan records of two suites in the personal name, one set has been paid off and the other set has not been paid off. At this point, the refinancing was identified as more than two suites. 3. Husband and wife, one party buys a house before marriage and uses a commercial loan, while the other party buys a house before marriage and uses a provident fund loan. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status; If the loan has not been paid off-it is more than two suites. 4. I bought a suite in full and bought a house with a loan-the first set. 5. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set. 6. If the local area does not have the query conditions of the housing registration system for the time being, the bank will conduct due diligence to verify that the purchaser already has a house, and then take out a loan to buy a house-the first set of calculations. 7. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count. 8. One commercial loan has been paid off, and the other provident fund loan has also been paid off. Apply for a commercial loan before buying a house-the first set. 9. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. After marriage, he buys a house and applies for a loan-the first set is counted. 10. I bought more than two houses with a loan and later sold them. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set. "Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is determined by the borrower's family that 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. If your situation is complicated, the website also provides online consultation service for lawyers, and you are welcome to have legal consultation.
Legal objectivity:
In case of any of the following circumstances stipulated in Article 3 of the Notice on Standardizing the Second Set of Housing Identification Standards for Commercial Personal Housing Loans, the lender shall implement the second set of differentiated housing credit policies for the borrower: (1) The borrower applies for a loan to purchase a house for the first time, and his family has registered more than one set of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where he intends to purchase a house; (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).