You can apply for a second home loan.
If you have used the loan to purchase a house and apply for the purchase of a second house (inclusive), the down payment ratio of the loan shall not be less than 40%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate of the same grade in the same period announced by the People's Bank of China.
At present, the identification standard of the second suite:
1. Buying a house by loan is the first set after the loan is settled. The loan has not been settled, so there are two sets.
2. There are two home loan records in the personal name, one has been paid off and the other has not been paid off. At this time, the loan is identified as more than two suites.
3. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans to buy a house before marriage. After marriage, they want to borrow money in the name of husband and wife. After the loan is 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 is not paid off, it is more than two suites.
Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate.
Personal housing commercial loans are self-operated loans issued by banks with their credit funds. Specifically, it refers to the commercial housing loan that a natural person with full capacity for civil conduct applies to the bank for repayment of the loan with the purchased property right housing as collateral when purchasing owner-occupied housing in the cities and towns of this city.
Can I get a loan for the second suite?
Now most young people will choose to buy a wedding room when they get married, and some well-off families plan to buy a second suite. Then the question is, can the second suite be loaned? How to borrow money to buy a second suite? Don't worry, if you are still worried about it, you might as well go and find out with me.
Can I get a loan for the second suite?
The second suite can be loaned. No matter whether the first set is a provident fund loan or a commercial loan, you can apply for a commercial loan to buy a second suite without paying it off, but you can't apply for a housing provident fund loan again. The down payment ratio of households who borrow money to buy a second house must be 60% higher, the loan interest rate must be 1. 1 times the benchmark interest rate, and the annual interest rate of the second house commercial loan with a term of more than 5 years is 7.205%.
How to borrow money to buy a second suite
1. The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract;
2. Eligible buyers apply for loans from loan banks and provide relevant certification materials;
3. The buyer and the seller go to the appraisal institution designated by the loan bank to conduct house appraisal;
4. Relevant departments verify and analyze the borrower's credit certification materials and evaluation reports, and issue legal opinions;
5, the loan bank for approval, and notify the loan applicant whether to agree to the loan;
6. The buyer and the seller go through the formalities of property right transfer, and then the borrower goes to the bank to go through the relevant formalities;
7. The purchaser signs a second-hand housing mortgage loan contract with the loan bank;
8. The buyer and the seller shall submit the transferred house ownership certificate to the loan bank and go through the mortgage registration formalities;
9. After the loan contract comes into effect, the lending bank pays a certain amount of funds according to the loan contract;
10. The borrower repays the loan monthly;
1 1. The borrower pays off the loan principal and interest, and the mortgage guarantee is lifted.
Editor's summary: after reading the above introduction, I believe that everyone has a further understanding of whether the second suite can be loaned and how to borrow money to buy the second suite. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.
Can I get a loan for the second suite?
Nowadays, many people will apply for bank loans when buying a house, but if they want to buy a second house, can they continue to apply for loans from the bank? What problems should I pay attention to when buying a second suite?
1. Can I get a loan for the second suite?
1, you can apply for a loan to buy a second house, but some cities may have a limited loan policy, in which case you can't get a loan.
2. According to the relevant regulations, if you have bought the house of 1, but the loan has not been paid off, you can also apply for a second home loan. However, compared with the house of 1, the down payment ratio will also increase, generally at 50%. At the same time, the loan interest rate of the second suite has also been adjusted, paying more interest than 1 suite.
Whether I can apply for a loan to buy a second house has something to do with my qualifications. For example, there is a delay in returning the house 1, or the credit report is not particularly good at ordinary times. When applying for a second house, the bank has every reason to refuse the loan.
Second, what problems should I pay attention to when buying a second house with a loan?
1. When buying a second house, if you want to apply for a loan, you must know the local loan policy. Because many cities are now in the purchase restriction order, if they do not meet the conditions, when buying a second house, they may not be able to buy a house. Many people have this problem. When buying a house, I was in a hurry and paid a deposit, but I couldn't buy a house without applying for a loan later.
2. If the loan application for 1 is provident fund, you can apply for a commercial loan when you buy a second house, which may not meet the conditions of provident fund loan.
Bian Xiao concluded that buying a second house needs to pay attention to many issues, such as whether the loan conditions can be met, the down payment ratio of the loan has also increased, and the interest rate has also been adjusted.
So much for the introduction of whether a commercial loan can be used to borrow a second suite.