After several rounds of policy adjustment, how does the provident fund identify the second suite? What is the difference in the down payment ratio and interest rate between the use of provident fund and commercial loans in the second suite? Experts remind that at present, there are some differences between provident fund loans and commercial loans in the identification of second homes. The provident fund "recognizes the house but does not recognize the loan", and the commercial loan "recognizes the loan and does not recognize the house".
Case study:
Ms. Wu used to borrow money to buy a house. The loan has been settled and the house has not been sold. After the adjustment of the provident fund loan policy, Ms. Wu has consulted how to judge the bank that buys a house again in her situation.
At that time, Ms. Wu got the answer that according to the latest policy, she bought a house with a bank loan, which can already be recognized as the first suite and enjoy the preferential loan policy for the first suite.
Since the deposit of the unit provident fund has not been interrupted, Ms. Wu wants to use the provident fund to buy a house again, hoping to borrow the upper limit of the provident fund amount of 6.5438+0.2 million yuan. However, after consulting the provident fund management center, she found that if she wanted to use the provident fund to buy a house, she could only identify it as a second suite, with a maximum loan of 800,000 and a minimum down payment ratio of 30%.
After consulting experts, Ms. Wu learned that:
At present, the policy of commercial loans is to "recognize loans but not houses". As long as buyers pay off their loans and buy a house again, they can be counted as the first suite.
If there is a set of houses purchased in full under the name of the purchaser, as long as there is no loan record, buying a house is still the first suite, and the down payment ratio is 25%.
Different from commercial loans, the judgment standard of provident fund loans is "recognizing the house but not the loan". If there is an unsold house under the name, it will be counted as a second suite according to the current policy, and the down payment ratio will be 30%. Some cities have been adjusted to 20% since September 1 and 20 15.
Related knowledge:
What the hell is "recognizing the house but not the loan" and "recognizing the loan and not recognizing the house"?
"Admitting the house but not the loan": it means that as long as the buyer proves that there is no house under his name, he can buy a house according to the first set, and as long as there is only one set under his name, he can apply according to the second set. Banks will not consider the historical loan records of buyers when handling loans.
"Refusing to recognize the loan but not the house" means that the new mortgage policy is no longer determined by the number of houses owned by families. As long as the second-home buyers pay off the first loan, the second loan will be determined according to the first suite.
"Admit the house but not the loan" and "admit the loan but not the house" are popular and easy-to-remember sayings put forward to define what a second suite is.
According to the current policy, the "second suite" mainly refers to the mortgaged housing that is approved by the borrower's family (including the borrower himself, spouse and minor children), and 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.
Whether the purchased property is the first suite or the second suite will affect the down payment ratio paid by the purchaser and the credit policy implemented. Although the state has unified regulations, different cities will adjust the down payment ratio according to the characteristics of their own cities.
What is the latest down payment ratio between the first suite and the second suite?
Calculate the situation of the first suite:
1, the loan has bought a suite, the commercial loan has been settled, and then the loan is used to buy a house;
2. I bought a suite in full and borrowed money to buy a house;
3. I bought a suite in full, sold it, and the house registration could not find the property, and then I borrowed money to buy a house;
4. 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 then borrow money to buy a house;
5. There are commercial loan records of two suites in the name of the individual, which have all been paid off and sold, and at the same time, they can provide proof of selling two houses;
6. A commercial loan for a suite under the personal name has been paid off, and another provident fund loan has also been paid off, and then apply for a commercial loan to buy a house;
7. One spouse has a house before marriage but no loan record, and the other spouse has a loan record before marriage but no house under his name, so he buys a house and applies for a loan after marriage;
8. I bought more than two properties 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.
Calculate the situation of the second suite:
1, bought a suite with a loan, but the commercial loan was not settled, and then borrowed to buy a house;
2. There are two commercial loan records in the name of the individual, one has been paid off and the other has not been paid off, and then the loan is used to buy a house;
3. There are two couples, one uses a commercial loan to buy a house before marriage, and the other uses a provident fund loan to buy a house before marriage. 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 will be considered as the second suite.
(The above answers were published on 20 16-05-23. Please refer to the actual situation for the current purchase policy. )
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