2. The scope of purchase restriction in Guangzhou is nine districts except Zengcheng and Conghua. Family members who have purchased houses in Guangzhou restricted area and registered in Guangzhou can purchase 1 new house in Guangzhou restricted area. Residents who are not registered in Guangzhou can only buy one house.
What should I pay attention to when buying a second suite?
1, pay attention to whether you can use the provident fund.
According to the regulations of most urban provident fund management centers, under normal circumstances, when purchasing the first suite, if the purchaser has used the provident fund loan, but the provident fund loan has not been paid off, then when purchasing the second suite, the purchaser cannot use the provident fund loan or use the provident fund to repay the mortgage. However, if the property buyers meet the local purchase qualification and have paid off the provident fund loan for the first suite when purchasing the second suite, they can apply for the provident fund loan when purchasing the second ordinary self-occupied house.
2. Pay attention to the bank loan regulations
If property buyers want to buy a second suite through bank loans, before buying a second suite, it is best to learn more about the relevant provisions of the loan to buy a second suite, including the first home loan interest rate, the second home loan interest rate, the new commercial housing interest rate, the second-hand housing interest rate and so on. Don't underestimate these points, which determine how much you will repay in the future, thus affecting the quality of life in the future.
3, understand the property laws and regulations
If you are buying a new house, some developers will also limit the application for loans by property buyers. Although in principle, buyers can choose any bank to apply for a loan to buy a house, many developers have their own cooperative loan banks, which will be very resistant to the slow loan method. Judging from the actual situation of real estate in various places, provident fund loans are not very popular with developers. It is suggested that buyers need to ask clearly what kind of loans their favorite real estate supports and which bank to cooperate with.