If you have outstanding mortgage, you can't apply for provident fund loan. Now that bank loans are tight, the interest rate of the first set of housing commercial loans has risen, and it is still difficult to apply. Your situation is probably more difficult to apply for. "Hangzhou buys a second suite with a minimum down payment of 60%.
Identification standard of second suite
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 purchased for the child, it is regarded as the second suite.
2, their own housing, in the name of minor children to buy again.
According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also listed as family members. 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. If you have a property under your name when you are a minor, you can borrow money to buy a house when you are an adult.
According to the current bank's "loan recognition", if the existing property is not sold, the second loan purchase belongs to the second suite, which 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 the minor's property, it does not belong to the second set of mortgage loans.
4. Buy a house in full, and then borrow money to buy a house.
In the past, we only "recognized the loan", not counting the second suite, but now we have added "recognized the house". Although we don't have a loan, as long as we can find the property in our name in the property rights transaction system, if we don't sell it and apply for a loan, we will also be recognized as the second suite.
If you have a loan to buy a house, you can borrow money to buy a house 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 and there is no house under the family name, the application for mortgage will be counted as the second suite because of the previous loan record.
6. First buy a house with a commercial loan, and then use the provident fund to buy a house.
At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, whether the mortgage is settled or not, even if he has never used the provident fund loan, the first application for the provident fund loan will be counted as the second suite.
7. Before marriage, one party borrowed money to buy a house, and after marriage, it was bought in the name of the other party, and the accounts were not together. Although the registered accounts of the husband and wife did not fall together after marriage, they registered with the Civil Affairs Bureau. When granting loans, the bank requires the borrower to provide proof of marital status in addition to the household registration book. Married couples can't provide proof of single status, so the other party will be counted as the second suite when buying a house again.
8. Buy a house with a joint loan after marriage, and then buy a house after divorce.
As long as the mortgage records can be found in the central bank's credit information system, even if the property is awarded to one party after divorce, the other party will be recognized as a second suite when it borrows money to buy a house. This makes many attempts to avoid the second-home new deal through "fake divorce" go down the drain.
9. If you have a commercial apartment in your name, buy an ordinary house.
According to the current policy, commercial apartments are not restricted, so buying ordinary houses is still the first set.
"The down payment for the second home loan in Hangzhou is 60%.
(1) There is no house under the employee's family name, and there is a housing loan record and it has been settled.
(2) The employee's family already owns a house, and there is no housing loan record or the housing loan record has been settled.
(3) The employee's family already owns a house, and the house has an outstanding commercial housing loan record. ""commercial loans
Within the urban area, for households with housing or no housing but housing loan records, apply for commercial personal housing loans to purchase houses, and implement the second-home credit policy, with the down payment ratio of not less than 60%.
Provident fund loan
Within the urban area, if employees' families already own houses or have no houses but have housing loan records, two sets of housing provident fund loan policies will be implemented for purchasing ordinary self-occupied houses, with the down payment ratio of not less than 60%, and the interest rate of provident fund loan will be 1. 1 times the benchmark interest rate of housing provident fund loans in the same period. "
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