Shanghai mortgage is controversial. As buyers, we not only care about the expected annualized interest rate of mortgage, but also care about the identification of the second suite. Of course, we also need to fully understand the appraisal of the second suite, but do you know how the banks in Shanghai appraise the second suite?
Generally speaking, the bank will check whether you have a loan record. Of course, if you buy a house at one time or cobble together the last full amount, it won't affect you when you apply for a loan from the bank to buy a house. The loan you apply for to buy a house is still the first home loan, but it does not rule out that in some cities, as long as you have a family and a house, even if you apply for a mortgage to buy a house from a bank for the first time, the bank will still count as a second suite. Similarly, if you have applied for a loan to buy a house, it will become a second suite when you apply again.
The bank will take the applicant's family as the unit and inquire about the loan purchase of the applicant, spouse and minor children. If there is a record of the applicant, spouse or minor children borrowing money to buy a house, the bank will treat the applicant as a second suite when the applicant applies for a loan to buy a house.
If the applicant has applied for housing provident fund loans or commercial housing loans, there is no doubt that when the applicant applies for loans again, the applicant's application for housing loan will be the second suite. However, if the applicant has previously applied for personal commercial housing loans, personal comprehensive consumer loans and other commercial personal loans, and applied for loans to purchase houses, it shall be implemented in accordance with the first set of housing loan policies.
If the applicant has a record of buying a house loan, whether he has settled down or not, and applies for a loan to buy a house again, it will be regarded as a second suite.
Remind that each city will have different standards for the identification of the second suite. You can get a more comprehensive understanding by consulting the relevant banks.
Down payment ratio of Shanghai second suite
The down payment ratio of the second suite in Shanghai is 70%.
Shanghai second suite purchases non-ordinary self-occupied housing, and the down payment ratio is not less than 70%.
If a resident family purchases the first set of housing (that is, there is no housing in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.
If a resident family who owns 1 house in this city or has no house in this city but has a housing loan record (including commercial or provident fund housing loan record) applies for a commercial personal housing loan and buys an ordinary self-occupied house, the down payment ratio shall not be less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.
Extended data:
Further improve the differentiated housing credit policy. With the consent of the Shanghai market interest rate pricing self-discipline mechanism, the following requirements are put forward for the differentiated housing credit policy:
(1) If a resident family purchases the first home (that is, there is no home in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.
(2) Under any of the following circumstances, if a household applies for a commercial personal housing loan to purchase an ordinary self-occupied house, the down payment ratio shall not be less than 50%; Purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%:
1, there is no housing in this city, but there are records of commercial housing loans or provident fund housing loans;
2. Own 1 apartment in this city.
Does a foreigner with a loan record buy a house for the first time in Shanghai count as a second suite?
The identification standard of the second suite is to recognize the house and the loan, that is, the lender needs to issue the house property registration information to the real estate department to see if there is any real estate under its name. At the same time, check whether there is any loan record before.
As long as one of the housing property registration information and loan records belongs to the second suite.
What is the standard for Shanghai to identify the second suite? What materials need to be provided?
The definition of the second suite exists to distinguish it from the first suite. There are some differences between buying a second suite and the first suite, such as deed tax payment or loan handling. What kind of house is a second suite? What is the criteria for the identification of the second suite in Shanghai? What materials do you need to provide to buy a second suite in Shanghai?
The reason why the second suite exists is different from the definition of the first suite. There are some differences between the second suite and the first suite. There are several specific aspects, which are different in deed tax payment or loan handling. What kind of house is a second suite? What is the standard for Shanghai to identify the second suite? What materials do you need to provide to buy a second suite in Shanghai?
What is the standard for Shanghai to identify the second suite?
First, I bought a suite with a loan, and then I bought a house with a loan after the commercial loan was settled-the first set. If the loan is not settled-two sets.
Two, there are two sets of commercial loan records in the name of the individual, 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.
Three, a husband and wife to buy a house before marriage to use commercial loans, if the loan is not paid off-more than two suites.
Fourth, I bought a suite in full and bought a house with a loan-the first set.
5. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.
Six, the local housing registration system does not have the query conditions, the bank due diligence to verify that the buyer has a house, and then loan to buy a house-the first set.
Seven, 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 re-lending, the first set.
Eight, a suite of commercial loans have been paid off, and another set of provident fund loans have also been paid off. Apply for a commercial loan before buying a house-the first set.
Nine, 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 its name, and buys a house and applies for a loan after marriage-the first set is counted.
10. I bought more than two houses with a loan 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.
What materials do I need to provide to buy a second suite in Shanghai?
The materials to be provided are as follows:
(1) sealed application form;
(2) Housing sales contract;
(3) Confirmation letters of the buyers and sellers who signed the pre-sale contract on the house number, the measured area of the house and the settlement of the house price;
(4) Surveying and mapping table, house registration form and household registration book in duplicate;
(5) Special receipts for special maintenance funds;
(6) deed tax payment or tax exemption certificate;
(7) the identity certificate of the buyer (copy of the original inspection);
(8) Submission agreement for some houses;
(9) the bank's prepayment certificate.
The above is an introduction to the identification standard of Shanghai second suite and what materials Shanghai second suite needs to provide. There is a big difference between the first suite and the second suite, not only that you have bought a suite, but also that you have bought a second suite. There are many situations that will be identified as the second suite, and the second suite is also closely related to your housing loan, so you need to pay more attention.
Shanghai second home loan policy 202 1
If you are a non-Shanghai citizen, you must pay social security for at least 5 years before you can buy a house in Shanghai. If one of the husband and wife is a Shanghai citizen, you can buy the first suite, but the second suite needs to provide a five-year social security or tax payment certificate. Both husband and wife are residents of Shanghai, and the number of houses owned by husband and wife and their parents is less than or equal to 2 before 20 11,they can buy 2 more houses, and if they own 3 houses, they can buy1more houses. It is easier for married people to buy a house in Shanghai, but non-Shanghai residents must provide proof of social security for five consecutive years. There are no restrictions on the first suite of married residents in Shanghai, but in order to prevent real estate speculation, there are corresponding restrictions on the number of houses owned by families. According to the mortgage policy, if a household purchases the first home and applies for a commercial personal housing loan, the down payment ratio should be above 35%. If there is 1 apartment in Shanghai, but there is no room in Shanghai but there is a record of commercial housing loans or provident fund housing loans, the down payment ratio of commercial loans should be above 50%.
1. The identification standard of Shanghai Second Suite is 1. Loan to buy a suite, you can find the property in the housing registration system, and then buy a house as a second set; I bought a suite with a loan and sold it. There is no property in the house registration, but the loan record can be found in the bank credit information system. If I borrow money to buy a house again, it's two sets. I bought the house in full and sold it. If the house registration can't find a real estate, I will take out a loan to buy the first house. Buying a house in full, the housing registration system can query the property, and then buying a house with a loan is the second set. 3. The purchaser does not have the conditions for housing registration. After investigation and verification by the bank, if the purchaser already has a set of housing, the second set of housing will be counted as the second set. 4. There is a house under the parents' name, and then it is purchased in the name of minor children, which is considered as a second suite; If there is a property under the name of a minor, buying a house again after adulthood is regarded as a second house; I have bought a house in full under my name, and then I borrow money to buy a house, which counts as a second suite.
2. Shanghai second home loan interest rate: 1. Shanghai second home loan interest rate is generally 1. 1 times the benchmark interest rate. Because the mortgage interest rate should be set according to the customer's qualifications, property and other factors, there is no fixed value for the mortgage interest rate. 2. The benchmark interest rate for loans stipulated by the central bank is the benchmark interest rate for commercial loans within one year, and the interest rate is 4.35%; Loan for one to five years, with an interest rate of 4.75%; The loan is over five years, and the interest rate is 4.90%. 3. The benchmark interest rate of provident fund loans is less than 5 years, and the interest rate is 2.75%; The loan is over 5 years, and the interest rate is 3.25%.
Three, mortgage interest rate refers to the property buyers in the bank loans, loans to pay interest in accordance with the bank's interest rate. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within the prescribed range when implementing it.
The filing of Shanghai second home loan and the introduction of Shanghai second home loan bank loan come to an end. I wonder if you found the information you need from it?