If the loan has been paid off, the deed tax can be considered as the first suite.

However, if you need a loan to buy a house, you can only borrow a second house.

You can handle the business of "real estate inquiry certificate under personal name" at the Housing Authority of the jurisdiction where you live or the land and house ownership registration center.

Applicants only need to bring the original and photocopy of their valid identity certificate to handle business at the nearest real estate file service window.

The fee charged by the archives office of the real estate bureau is the file consulting fee, which is probably around 50 yuan.

We need to stamp the local taxation bureau and the real estate archives here.

The local taxation bureau proves whether there is a record of paying deed tax.

The property file proves whether there is any property under its name.

At present, the Beijing Second Suite Accreditation Standard 20 10 was released on July 15, and the second suite will be defined in strict accordance with the principle of "recognizing the house and repaying the loan".

In the first case, if the borrower applies for a loan to buy a house for the first time, and his family has registered 1 house or above in the house registration system of the place where he plans to buy a house, including the pre-sale contract registration and filing system, the house he purchases with the loan must be the second house or above.

In the second case, the borrower has used the loan to buy 1 house and above, and applied for a loan to buy a house, which is also recognized as the second house and above.

In the third case, if the bank is convinced that the borrower's family already owns 1 house and above through various forms of surveys such as inquiring about credit records and home visits, it will also refinance according to the second house and above.