If the wife has a house in her name and her husband buys it, it counts as a second house.

If the wife already has a property in her name, the property purchased by the husband after marriage will be regarded as a second home. Real estate purchased after marriage is the joint property of husband and wife. Even if the real estate is registered in the name of one party, the total number of real estate in the names of both spouses will be considered when reviewing the qualifications for home purchase. When the husband purchases a property, he will follow the policy for the second property, which may involve a higher down payment ratio and loan interest rate.

Influencing factors of real estate calculation rules:

1. Property status of family members: According to policies in different regions, the properties of both spouses are usually regarded as the sole property of the family. Therefore, one party’s ownership of real estate may affect the loan amount and down payment ratio of the other party when purchasing a house;

2. Determination of house purchase qualifications: In some cities, if one spouse has real estate in his name, the other party may not be able to purchase a house when purchasing a house. It is considered to be the purchase of a second home, which may be subject to more stringent home purchase restrictions;

3. Down payment ratio and loan interest rate: The down payment ratio for a second home is usually higher than that of a first home, and the loan interest rate may also be higher. increased;

4. Tax differences: When purchasing a second home, the taxes an individual needs to pay may increase, such as deed tax, personal income tax, etc.;

5 2. The impact of purchase restriction policies: Some cities have implemented purchase restriction policies, which may have stricter restrictions on families purchasing second homes.

In summary, even if the wife already owns a property before marriage, the property purchased by the husband after marriage will still be treated as a second home, which means that the total number of properties owned by both husband and wife will affect the qualifications for home purchase. , and the husband will face higher down payment requirements and loan interest rates.

Legal basis:

"Notice on Regulating the Standards for the Identification of Second Homes in Commercial Personal Housing Loans"

Article 1

The number of housing units for residential households in commercial personal housing loans shall be determined based on the number of complete housing units actually owned by members of the family to be purchased (including the borrower, spouse and minor children, the same below).

"People's Republic of China and Civil Code"

Article 1062

The following properties acquired by husband and wife during the marriage relationship: It is the joint property of husband and wife and shall be owned jointly by both husband and wife:

(1) Wages, bonuses, and remuneration for labor services;

(2) Production, operation, and investment Income;

(3) Income from intellectual property rights;

(4) Inherited or donated property;

(5) Others that should be attributed to *** Same as all property. Husband and wife have equal rights to handle the same property.