There is a set of immigrants building houses, but the certificate has not yet been issued. Do you want to buy a second-suite commercial house?

Identification standard and identification situation of the first suite and the second suite

The first suite, second suite, three or more houses have different tax rates, and the loan down payment ratio is also different. The fewer sets, the smaller the tax and down payment pressure of buyers. The first suite refers to the family that has no house in the local area before and now buys a house (unmarried refers to an individual, married refers to both husband and wife and minor children).

What are the specific appraisal conditions of 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, one of the husband and wife to buy a house before marriage to use commercial loans, the other party to buy a house before marriage to use provident fund loans, after marriage, the two want to use loans 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-it is more than two suites.

Seven conditions for the bank to identify the second suite.

1. If parents have a house, buy another house in the name of minor children;

2. Have a property under the name of a minor, and then borrow money to buy a house after adulthood;

3. If there is a house purchased in full under the name of the individual, then borrow money to buy a house;

4. There is a loan to buy a house under the name of the individual, and then the loan is purchased after the sale;

5. Use commercial loans for the first purchase and provident fund loans for the second purchase;

6. One party borrows money to buy a house before marriage, and applies for a loan to buy a house in the name of the other party after marriage, but the two accounts are not together;

7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house.

Accept a loan but not a house.

When defining the second suite, if the purchaser has registered a loan to purchase a house in the bank credit information system and the loan has not been settled, then when applying for a loan to purchase a house, the house will be defined as a second suite or above;

If all loans have been settled, even if the buyers have a suite, the banking financial institutions will still implement the first home loan policy;

If the purchaser owns two or more houses and has settled the corresponding housing loan, and applies for a loan to purchase a house, the banking financial institution can flexibly grasp the loan interest rate and down payment ratio according to the specific factors such as the borrower's solvency and credit status.

Common situations:

(1) bought a suite with a loan, but the commercial loan has been repaid.

(2) I bought a suite with a loan and later sold it. The house registration system can't find the property, but the bank credit information system can find the loan record.

(3) There is no loan for the first suite, so apply for a loan to buy a new house.

(4) The first suite is paid in full, and there is no loan. After the sale, the housing registration system can't find the housing.

(5) There are two sets of commercial loans in the name of the individual to buy a house, all of which are paid off and sold.

(6) The commercial loan of 1 suite in personal name has been paid off, and the remaining 1 set of provident fund loans have been sold.

Because "the loan is not recognized", the definition of the second suite is simpler. If the purchaser has registered a loan to purchase a house in the bank credit information system, and the loan is not settled, and applies for a loan to purchase a house, the house will be defined as a second suite or above.

Common situations:

(1) I bought a loan of 1 set, but the commercial loan has not been paid off, so I borrowed money to buy a house.

(2) I bought two houses with loans in my own name, and I paid off 1 set, but I didn't pay off 1 set, so I borrowed again to buy a house.

(3) There are two couples, one of whom bought a house with a commercial loan before marriage, and the other bought a house with a provident fund loan before marriage, which was not paid off after marriage, and then bought a house.

Both the loan and the house are recognized.

Provident fund loans are based on families. As long as you have borrowed twice, you are no longer allowed to borrow provident fund, and you can only use pure commercial loans.

(1) has no house, and the first set of provident fund for the first loan;

(2) The second-home provident fund loan is limited to a per capita housing area of less than 32㎡, or a family of three is less than or equal to 100㎡.

(3) There are two situations in the second suite: 1, the provident fund has been paid off by one loan, and the second suite will be bought if there is 1 suite; 2. I have never borrowed the provident fund, and I have a suite, which is also considered as a second suite.

(4) Both husband and wife bought the same house with a provident fund loan. Re-applying for provident fund loans is the second set.