At present, the definition of two suites, whether there is a loan or not, the second and above houses are considered two suites;
There is a difference between "second suite" and "second loan room". In the past, the bank of the second suite was the latter, but now it is strict; The second suite refers to the second suite in a broad sense (there are many details, please refer to the relevant notices and regulations issued by the State Council, which are available on Baidu).
The implementation policies in various places may be flexible, and it is uncertain that Taicang (1) will pay social security in Taicang. (2) Failing to pay social security in Taicang. Whether there are differences in loan interest rates.
For details, please contact:
1, real estate agent;
2. Major banks
3. Department of Obstetrics and Gynecology, Taicang Housing and Construction Bureau
According to your situation, it is suggested that no loan is needed. If the funds are really under pressure, you can borrow some or repay in advance after the loan. In fact, although the interest rate is lower, if the interest is paid off in several years, the difference is not much. Moreover, there is still great potential for housing prices in Taicang.
Above, I wonder if it will help you.