Introduction:? No matter when and where, everyone will always see these words: "long-distance relationship", "opposite sex", "different dimension", etc., with the emergence of these words and people's life awareness changes, a topic closely related to people's lives has begun to emerge. What is it? Guess it, everyone, okay, without further ado, the issue we are going to talk about today is buying a house in another place. I believe it has aroused everyone's interest, right? Let's follow the editor to see if buying a house in another place counts as a second home.

1. What is home buying in another place?

Buying a house in another place, as the name suggests, means that the home buyer’s registered residence is different from the place where he wants to buy a house. The editor believes that everyone can completely understand this. Then we are faced with the second question. Everyone should work harder and continue to listen to the editor.

2. Is buying a house in another place considered a second home?

Everyone knows that if you are short of money and cannot pay all the house fees at once, you can apply for installment payment, which means you pay the house first. Make the down payment and pay for the remaining money bit by bit. Then there is another problem: the down payment we need to pay for the first house is 30%, and the down payment for the second house is 60%. Looking at it this way, the question of whether buying a house in another place is considered a second home is particularly important to us.

This problem is actually not difficult to understand. Nowadays, when it comes to identifying a second home, it is generally considered that if you have a house in your name or you have taken a loan from a bank and then apply for a rent loan, it will be considered a second home. In other words, even if you do not own a house locally but have a loan record or have a house in your name, it will be considered a second home when you want to take out a loan to buy a house. But there is a loophole. If your local house is a one-time payment and the local housing management department is not connected to the Internet, it will not be considered a second house.

3. What should you pay attention to when buying a house in another place?

There are definitely many things to pay attention to when buying a house. If you are already prepared to buy a house, what do you need to do? Let me tell you.

The first point is that you have to consider its geographical location, surrounding environment, apartment type, etc. If you want to live comfortably, these things are essential! Then, you have to Understand the developer, such as integrity issues, etc. After doing this, you need to conduct on-site inspections. The editor reminds everyone that this is very important! Nowadays, many home buyers tend to be lazy and read newspapers and TV for convenience. I used , the Internet, etc. to learn about home buying information, but in the end I found that it was not at all what was advertised, and the result was nothing, so on-site inspections are necessary.

The second point is to sign the contract. What you should pay attention to in this aspect is to check the five certificates. You should also look at the specific terms of the contract to confirm whether the statements in it are correct, whether the responsibilities of both parties are equal and the obligations to be performed are equal, as well as the solutions for breach of contract, etc., to avoid being accused of "breach of contract" in the end. .

The third point is to hand over the house. I believe everyone will be happy at this step! But while you are happy, don’t forget to apply for the property registration certificate!

Next The seven situations mentioned above will be recognized as second homes

1. There is a house in the name of the parents, and the house is purchased in the name of the minor children

According to the new policy, family members include the borrower, Spouses and minor children, that is, minor children, are also classified as family. Therefore, when applying for a loan to purchase a house in the name of a minor child, the second home policy will be followed.

2. If you have a fully-purchased house in your name, and then take out a loan to purchase the house

In the past, you could only "subscribe for the loan". In this case, it does not count as a second home, but now you have added "subscribe for the loan". Although there is no loan, as long as there is a property under the name in the housing property transaction system, it will be recognized as a second home without selling it and applying for a loan.

3. If you have a real estate in your name when you are a minor, and then take out a loan to buy a house after you become an adult

According to the current "loan subscription and house subscription" of banks, if you do not sell the existing real estate, Refinancing a house to purchase a second home will be carried out in accordance with the policies for the second home. According to past policies, as long as there was no loan for the property when the minor was a minor, applying for a mortgage would not count as a second home.

4. If you have a loan in your name to buy a house, you can buy a house with a loan after the sale is completed

Currently, the bank considers the second house as "recognizing the house and subscribing for the loan", which means that although After the property bought with a loan is sold, there is no longer any house under the family name[2]. However, because of its previous loan record, it will be counted as a second home when applying for a mortgage loan.

5. Use commercial loans for first-time home purchases, and provident fund loans for second home purchases

The current provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, regardless of whether the mortgage loan has been settled or the property Whether it is sold or not, even if a provident fund loan has never been used, applying for a provident fund loan for the first time will be counted as a second home.

6. One party took a loan 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 household registrations were not together

Although the husband and wife did not have their household registrations together after marriage, But there was a marriage registration with the Civil Affairs Bureau. Now, when approving a loan, banks not only require the borrower's household registration book, but also require the borrower to provide proof of marital status. Married couples cannot provide proof of single status, so the other party will also be counted as the third party when purchasing a house. Second suite.

7. After marriage, both parties take out the same loan to buy a house, and after divorce, one party will apply for a loan to buy a house again.

As long as the mortgage record can be found in the central bank’s credit system, then even after divorce, If the property is awarded to one party, it will also be recognized as a second home when the other party refinances the property. This makes many attempts to circumvent the new policy on second homes through "fake divorce" also come to nothing.

Okay, does buying a house in another place count as a second home? This is the question I want to talk about today. Do you think you are going to become a house buying expert after reading this? Haha, please like it if you like it Remember to like and collect it! If you don’t understand, you can ask questions in the comment window, and the editor will reply to you in time!

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