Identification standard of second suite
1, bought a suite in full, and borrowed money to buy a house-the first set; 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-the first set;
2. 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; If the loan has not been paid off-more than two suites;
3. Loan to buy a suite, commercial loan has been settled, and then loan to buy a house-the first set. If the loan is not settled-two sets; I bought a suite in full and later sold it. The house registration system couldn't find the property, and then I borrowed money to buy a house-the first set; 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 house, and then borrow money to buy a house-the first set of calculations;
4. There are two sets of commercial loan records in the name of the individual, both of which have been paid off and sold, and two sets of housing sales certificates can be provided at the same time. In this case, when refinancing, the first set of calculations; A commercial loan in the name of an individual has been paid off, and another provident fund loan has been paid off. Apply for a commercial loan and then buy a house-the first set;
5. Husband and wife, one party has a house before marriage but no loan record, the other party has a loan record before marriage but no real estate under his name, and buys a house to apply for a loan after marriage-the first set; There is a commercial loan record 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. For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.
A room under one person's name or the first suite?
1. Commercial and office rooms in your name: The preferential policies for the first suite are generally aimed at ordinary houses. If the house under your name is a commercial office building, such as a 40-year-old apartment, shop, office building, etc. When buying an ordinary house, it was still the first suite.
2. The house under the name is a small property right house: a small property right house generally refers to a house built on collective land without paying land transfer fees. Such a house will not be issued by the national housing management department, and it cannot be listed, traded, transferred or inherited. Therefore, if you have a small property right house, buying a house is still the first suite.
3. Full purchase of the house under the name of an individual: policies vary from place to place, and the standards for the identification of the first suite are not uniform throughout the country. Generally, there are three ways to identify houses: recognizing houses and loans, recognizing houses and not recognizing loans, and recognizing loans and not recognizing houses.
If the city where you live implements the policy of denying loans but not houses, then even if you already have a suite under your name, as long as you buy it in full and have no mortgage record, you will buy it at the discount of the first suite. Moreover, for the second suite whose loan has been settled, some banks will also implement it according to the interest rate of the first suite.
4. The house under the name is a demolition and resettlement house, which has not yet been put on record: there have been many relocated households in recent years, and demolition and resettlement houses have emerged as the times require. If the resettlement house you demolished is not filed with the Housing Authority, buying a house is also the first suite.