1. Several types of registered families in Beijing:
1. A household with at least one member with Beijing household registration is regarded as a household registered in Beijing;
2. Households registered in Beijing include postdoctoral fellows, servicemen and families of armed police stationed in Beijing, and families with valid work residence permits in Beijing. Beijing's collective hukou is also a form of hukou in this city;
3. If the non-local registered population moves into the school collective account because of going to school, it cannot be used as a household registration person in this city to buy a house.
(Note: Minor children registered in Beijing and foreign residents whose parents/guardians are divorced or widowed can buy houses according to Beijing families, which are regarded as single families and can only own one house.)
2. Beijing household registration purchase restriction policy:
1. Married families in Beijing can only own two houses, and single families in Beijing can only own one house;
2. The households with registered residence in this Municipality who already own houses (including newly-built commercial houses and second-hand houses) will be suspended from buying houses in this Municipality.
3. Beijing non-local family purchase restriction policy:
(1) Social insurance:
Non-resident families who have no housing in this city and have paid social insurance in this city for more than 5 consecutive years (inclusive) hold a valid residence permit in this city, and the purchase of 1 set of housing (including new commercial housing and second-hand housing) is restricted;
Non-local households with 1 set or more houses will be suspended from selling their houses in this city;
Non-local registered families who are unable to provide a valid residence permit and have paid social insurance in this city for more than 5 years (inclusive) will be suspended from selling their houses in this city.
(2) Personal income tax:
Taxpayers who have not owned a house in this city and have paid personal income tax in this city for more than 5 consecutive years (inclusive) refer to taxpayers who pay taxes according to "income from wages and salaries", and pay personal income tax in this city for 60 consecutive months from the last month of the reporting month; Taxpayers who pay taxes according to the "income from production and operation of individual industrial and commercial households" shall count forward 60 months (or 20 quarters) from the last month (or the last quarter) of the reporting month, and hold a valid residence permit to restrict the purchase of 1 apartment (including new commercial housing and second-hand housing);
Non-local households with 1 set or more houses will be suspended from selling their houses in this city;
Non-local registered families who are unable to provide a valid residence permit and have paid personal income tax in this city for more than 5 years (inclusive) will be suspended from selling their houses in this city.
According to what you said, if you are a married family in Beijing, you can buy another set. Non-Beijing families or single families in Beijing can no longer buy a house.
If you meet the purchase restriction policy and can buy a house in Beijing, you can use a commercial loan and apply for the second set. Ordinary residential down payment 60%, non-ordinary residential down payment 80%.
If the house left by your loan is a commercial loan, you can use the provident fund loan to handle it in two sets, with a down payment of 80% and a maximum loan of 800,000.
If the house left by your loan is a provident fund loan, you can no longer use the provident fund loan.
Apply for provident fund loans must meet four conditions at the same time:
1. The provident fund of the loan applicant is deposited in Beijing;
2. Open an account for more than 1 year, and pay in full for 12 months (recently);
3. Currently in deposit status;
4. The applicant and his/her spouse have no outstanding provident fund and discount loans.
Special circumstances: ① State-managed loans are secondary provident fund loans, which can be applied after the first provident fund is settled; The loan managed by this country belongs to the third provident fund loan, and the second provident fund loan can only be applied after five years of settlement. (Loans are based on families, and provident fund loans are limited to provident fund loans applied for in Beijing, including municipal, state-run and central branches) ② Borrowers with Beijing hukou who deposit provident fund in the first house in other places can apply for loans in Beijing with the proof of deposit issued by the provident fund management center of the place of employment.
③ State-managed provident fund: In the past two years, if the borrower and spouse have loans overdue, the maximum loan amount will be reduced by 20% for 3-5 consecutive times, and the loan will be directly refused for 6 consecutive times.
I hope I can help you and look forward to your adoption.