1, Wuhu has restrictions on buying a second suite. For the loan interest rate and provident fund policy that buyers are more concerned about, the financial department should implement the first set of preferential policies of 30% down payment for ordinary housing and 30% discount for the lower interest rate limit. For 1 housing families who have settled the corresponding housing loans, if they apply for loans to buy ordinary commercial housing again in order to improve their living conditions, the financial department will implement the first home loan policy.

2. Fully implement the financial policy of reducing the down payment ratio of the second suite to 40%; Wuhu provident fund loans were further relaxed. In addition to the adjustment of the maximum period of personal housing provident fund loans to 25 years, the minimum down payment ratio has also been adjusted.

Can I get a loan to buy a second suite in Wuhu?

Wuhu can borrow money to buy a second suite. The loan for the first purchase of new commercial housing is 20%; The purchase of second-hand houses shall be adjusted according to the service life of the houses, of which: 10 years or less accounts for 20%; /kloc-30% from 0/0 to 20 years (inclusive); 40% in 20 years. The depositor agrees to issue the loan according to the maximum loan amount corresponding to the monthly deposit when the deposit balance reaches110 of the loan amount.

How to identify the second suite in Wuhu?

1, own a house and buy a house for adult children. If the name of the adult child is written on the property certificate of the house under the parents' name, and then the house is bought for the child, it is the second set; Otherwise, the first set.

2. If you own a house, you can buy it again in the name of minor children. According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

3. When you are a minor, you have a property under your name, and then you can borrow money to buy a house when you are an adult. According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for minors' real estate, applying for a mortgage is not a second set.

4. Buy a house in full, and then borrow money to buy a house. In the past, it only "recognized the loan", not counting the second suite, but now it has added "recognized the house". Although there is no loan, as long as you can find the property under your name in the housing property rights trading system, you will be recognized as a second suite if you don't sell it or lend it.

5, there is a loan to buy a house, and then the loan to buy a house is settled after the sale. At present, the bank's identification of the second suite is "recognizing the house and recognizing the loan". That is to say, although the property bought by the loan is sold, there is no house under the family name, but because of the previous loan record, applying for a mortgage will also be counted as the second suite.

6. If you have a house in your name, use the provident fund to buy a house. At present, the provident fund loan policy is also relatively strict. As long as there is a house in the name, even if you have never used a provident fund loan, the first application for a provident fund loan is considered a second suite.

7. Before marriage, one party borrowed money to buy a house, and after marriage, it bought it in the name of the other party and the accounts were not together.