You don't need to pay off the first suite to buy a second suite, because you can borrow money or buy a second house in full. It is only necessary to note that individuals cannot apply for a second home loan when the first suite has not been paid off. For example, if an individual applies for a provident fund loan for the first suite and a provident fund loan for the second house, it is necessary to pay off the provident fund for the first suite before handling it.
What are the criteria for defining the second suite?
1, the loan has already bought a suite, the commercial loan has been settled, and then the loan is used to buy a house-the first set. If the loan is not settled, two sets will be liquidated.
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; Liquidate more than two suites before the loan is repaid.
4. I bought a suite in full and sold it. The housing registration system can't find the property, and the loan to buy a house is the first set.
5. 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 has a set of housing, and the second loan will be the first set.
6. 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, the first set will be counted when refinancing.
7. A commercial loan for one suite under the personal name has been paid off, and another provident fund loan has also been paid off. Applying for a commercial loan and buying a house is the first set.
8. 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. Buying a house and applying for a loan after marriage is the first set.
9. I bought more than two houses with loans 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.
Buying a house by group purchase is more favorable.
on sale
Reference price: the price is to be determined.
Property address: 1. Shuttle to 1 free.
Property Tel: 400-8 19-6590 to 0627.