According to Huai 'an house purchase policy, the minimum down payment ratio of Huai 'an second suite is 40%. For families who own 1 apartment and have settled their housing loan, apply for a loan again to buy ordinary housing. The down payment ratio of the second suite is 30% according to the down payment ratio of the first suite.

If you want to buy a house in Huaian, you need to meet certain conditions. Among them, those who work in Huai 'an or have employment in other places have no room in Huainan, and the purchase of new houses is implemented in accordance with the first suite policy; If the purchaser has paid off the previous house purchase loan, it is not included in the number of house purchase loans. Those who come from other places to buy commercial housing and pay the provident fund in Huai 'an enjoy the same provident fund loan treatment as Huainan citizens.

What is the identification standard of Huai 'an second suite?

1. If parents own houses, they will buy houses 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.

2. If you have a property under your name when you are a minor, and then borrow money to buy a house when you are an adult, it will be implemented in accordance with the second suite policy.

3. If a person has a house bought in full under his name, and then borrows money to buy a house, and does not sell it or apply for a loan, it will also be recognized as a second suite.

4. If an individual has a loan to buy a house, he will borrow to buy a house after the sale, but because he has a loan record before, applying for a mortgage will be counted as a second suite.

5. Buy a house with a commercial loan for the first time and a house with a provident fund loan for the second time. No matter whether the mortgage is settled or not, whether the property is sold or not, even if the provident fund loan has never been used, the first application for provident fund loan is considered as a second suite.

6. One party borrowed money to buy a house before marriage and applied for a loan to buy a house in the name of the other party after marriage, but their accounts were not together. When the bank approves the loan, it requires the borrower to provide proof of marital status in addition to the household registration book. Married couples cannot provide proof of singles, so when they buy a house again, they will count the other party as a second suite.

7. After marriage, both parties * * * borrow money to buy a house, and after divorce, one party applies for a loan to buy a house, which is also considered as a second suite.