Two or three years ago, when the real estate market was booming, there were restrictions on the second suite. It's just that there are more rooms in stock now, and many people also want to buy two suites. I want to know about the current market and local regulations. So, is there any restriction on buying a second suite in Langfang now? Can I get a loan to buy a second suite in Langfang? Two or three years ago, when the real estate market was booming, there were restrictions on the second suite. It's just that there are more rooms in stock now, and many people also want to buy two suites. I want to know about the current market and local regulations. So, is there any restriction on buying a second suite in Langfang now? Can I get a loan to buy a second suite in Langfang?

1. Is there any restriction on buying a second suite in Langfang?

1. For families who own 1 apartment and whose corresponding housing loans have been settled, if they apply for commercial personal housing loans to buy ordinary housing again, the proportion of low down payment in other areas will be adjusted to not less than 35% except Gaochun and Lishui;

2. For households that own 1 apartment and the corresponding housing loans are not settled, if they apply for commercial loans to buy ordinary housing again, the low down payment ratio in other areas will be adjusted to not less than 50% except Gaochun and Lishui.

2. Can I get a loan to buy a second suite in Langfang?

Langfang can borrow money to buy a second suite, and the second suite in Langfang is determined as follows:

In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:

1. Apply for a loan to purchase a house for the first time, and the family has registered one or more complete houses in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased;

2, has used the loan to buy a set of (and above) housing, and apply for a loan to buy housing;

3. Confirm that the borrower's family owns a set (or more) of housing through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).

Down payment and interest rate of commercial loan for Langfang second suite

According to the "Article 8 of the State" promulgated at the beginning of 20 1 1, the down payment ratio for families who borrow money to buy a second house is not less than 60%, and the loan interest rate is not less than 1. 1 times the benchmark interest rate. At present, the down payment ratio of Langfang second home loan is also implemented according to this regulation.

To sum up, this paper mainly expounds whether there are any restrictions on buying a second suite in Langfang, and whether Langfang can borrow money to buy a second suite. The problem of the second home loan is also related to the first home, which needs specific analysis.