Before the "Ten Articles of New China" in the State Council, the accreditation standard has relaxed the restrictions on loans for buying houses in different places. According to the requirements of Article 10 of the People's Republic of China, "non-local residents who cannot provide local tax payment certificates or social insurance payment certificates 1 year or more will be suspended from issuing housing loans." This was unanimously understood by the industry at that time as the most serious blow to restricting speculative "real estate speculators".
Is buying a house in a different place a second suite?
From stopping lending to implementing the second suite policy, does this mean that the property market policy is "loose"? The answer given by many bankers isno. The person in charge of the personal credit department of a large state-owned bank said that the fine-tuning of the policy is more about the real needs of people living in different places, because according to the standard of 50% down payment for second homes and interest rate 1. 1 times, it is already a high cost for speculators.
Judge whether you are the second suite.
1. Loan to buy a suite, you can find the housing through the housing registration system, and then borrow money to buy a house, which counts as two sets.
I bought a suite with a loan and later sold it. You can't find the real estate through the house registration system, but you can find the loan record in the bank credit information system, and then loan a house, which counts as two sets.
I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I borrowed money to buy a house, not counting two sets.
4. If you buy a suite in full, you can check the real estate through the housing registration system and buy a house with a loan, which counts as two sets.
5. If the local area does not have the query conditions of the housing registration system for the time being, and the bank conducts due diligence to verify that the purchaser has a set of housing, then buying a house is also considered as two sets.
(The above answers were published on 20 17-02-20. Please refer to the actual situation for the current purchase policy. )
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