1, bought a suite with a loan, but the commercial loan was not settled, and the second loan to buy a house was recognized as a second suite.
2. There are two commercial loan records in the personal name, one of which has been paid off and the other has not been paid back, and it is recognized as the second suite.
3. Husband and wife, one party uses commercial loans before marriage, the other party uses provident fund loans before marriage, and wants to borrow money in the name of husband and wife after marriage. If the loan is not paid off, it is counted as two suites.
Matters needing attention in purchasing the second suite
1, pay attention to the down payment ratio.
Many friends who are ready to buy a house with a loan said that it is difficult to calculate the down payment on the house. Indeed, according to the situation of buyers and the different houses they buy, the down payment that buyers need to prepare is different. Different cities have different mortgage down payment ratios. Except for some cities with restricted purchases, most cities require a down payment of 30%, but buying a second suite is different, and the down payment ratio of the second suite has also increased accordingly, which is something that buyers need to pay special attention to.
2. Pay attention to the loan method
At present, there are three main ways to buy a house by loan, and the provident fund loan is the concern of most buyers. There are also some precautions to keep in mind when using provident fund loans to buy a second suite. If the borrower used the provident fund loan when purchasing the first suite, he may not apply for the provident fund loan when purchasing the second suite without paying off the loan; If the first suite is bought with a commercial loan and there is a mortgage, you can buy a second suite with a provident fund loan.
3. Pay attention to the preparation before buying a house
Since you are buying a second suite, you should understand what you should pay more attention to when buying a second suite. Although we should consider the price, we should pay more attention to the living environment of the house. A good living environment is inseparable from property management. Property buyers should first carefully choose property projects. Before buying a house, buyers should have some basic understanding of the real estate project you choose. It is best to choose only property developers, whose services will not be too bad.