1. If you have a commercial loan in your name that has been paid off, and another housing provident fund loan that has been sold, and you can provide proof of the sale of the house, applying for a commercial loan and then buying a house will be considered your first house;

2. There are commercial loan records for two houses in one's name, all of which have been paid off and sold, and proof of the sale of the two houses can be provided. In this case, the second loan will be counted as the first house;

3 , I bought a house with a loan and later sold it. I can’t find the property through the house registration system, but I can find the loan record in the bank’s credit system. If I buy a house with a loan again, it counts as my first house;

4. Loan I bought a house, the commercial loan was paid off, and I took out another loan to buy a house.

5. I bought a house with full payment, but later sold it. The property could not be found in the housing registration system, so I took a loan to buy a house again;

6. I bought a house with full payment, and then sold it. Get a loan to buy a house.

7. Between a couple, one party owned a house before marriage but had no loan record, and the other party had loan records before marriage but no real estate in their name. They apply for a loan to buy a house after marriage.

Seven situations that the bank recognizes as a second home:

1. There is a house in the name of the parents, and the house is purchased in the name of the minor children

Detailed explanation: According to the new According to the policy, family members include the borrower, spouse and minor children, that is, minor children are also classified as family members. Therefore, when applying for a loan to purchase a house in the name of a minor child, the second home policy will be followed.

2. If you have a real estate in your name when you are a minor, and then take out a loan to buy a house after you become an adult

Detailed explanation: According to the bank's "subscription for loan and house subscription", if you do not sell the existing property , the refinance purchase of a house belongs to the second house, and the policy for the second house will be implemented. According to past policies, as long as there was no loan for the property when the minor was a minor, applying for a mortgage would not count as a second home.

3. If you have a fully purchased house in your name, then take out a loan to buy the house

Detailed explanation: In the past, you only "subscribed for the loan". This situation is not considered a second home, but it is added. "House Recognition" means that although there has been no loan, as long as it can be found in the housing property transaction system that there is a property under the name, it will be recognized as a second home without selling it and applying for a loan.

4. If you have a loan in your name to buy a house, you can buy a house with a loan after the sale is settled.

Detailed explanation: The bank considers the second house as "recognition of the house and subscription of the loan", that is to say Although after the property bought with a loan is sold, the family no longer has any house in their name, but because of its previous loan record, it will be counted as a second home when applying for a mortgage loan.

5. Use a commercial loan to buy a house for the first time, and a provident fund loan to buy a house again

Detailed explanation: The provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, regardless of whether the mortgage loan is settled or not. Whether the property is sold or not, even if you have never used a provident fund loan, applying for a provident fund loan for the first time will be counted as a second home.

6. One party had taken a loan to buy a house before marriage, and after marriage applied for a loan to buy a house in the name of the other party, but their household registrations were not together

Detailed explanation: After the couple got married, although their household registrations were not in the same Together, but there was a marriage registration at the Civil Affairs Bureau. In addition to requiring the borrower to provide a household registration book when approving a loan, the bank will also require the borrower to provide proof of marital status. Married couples cannot provide proof of single status, so the other party will also be counted as the second party when purchasing a house. suite.

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

Detailed explanation: As long as the mortgage record can be found in the central bank's credit system, then even if After divorce, the property is awarded to one party, and the other party will also be recognized as a second home when the other party takes out a loan to buy a house. This makes many attempts to circumvent the new policy on second homes through "fake divorce" also come to nothing.

What are the interest rates for first-home and second-home loans?

1. Regarding the down payment and interest rate regulations for second-home loans, the measures taken by most banks are consistent with national policies, that is, the down payment ratio for second-home loans must not be If it is lower than 50, the loan interest rate shall not be lower than 1.1 times the base interest rate.

2. In March this year, the national average first-home loan interest rate was 5.51, which was equivalent to 1.124 times the benchmark interest rate, an increase of 0.92 from February; compared with 4.46 in March last year, the average first-home loan interest rate increased by 23.54. Judging from the full-year data, the average interest rate growth rate of first-home loans has gradually moved closer to the growth rate of second-home loans. Data in March this year showed that the growth rate of second-home loan interest rates exceeded the growth rate of first-home loan interest rates for the first time.

3. Currently, a small number of bank branches in the market have suspended mortgage business, most of which are small and medium-sized banks. Due to differences in size and deposit-absorbing capacity, adjustments to mortgage loans are normal operations. Judging from the proportion of banks digesting the demand for housing loan business in the market, small and medium-sized banks account for a relatively small proportion, and adjustments by individual small and medium-sized banks actually have little impact on the market. From a policy perspective, large banks and the four major banks will continue to steadily digest the demand for housing loans. Within the policy framework, banks have the obligation to stabilize the market. However, in the long run, the focus of competition between banks will shift from housing loans to other businesses. .