Seven situations in which banks identify second suites
1. If you have a property in your name as a minor, you can borrow money to buy a house as an adult:
According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and 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 minors' real estate, applying for a mortgage is not a second set.
2. Parents have houses and 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. Therefore, 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 a person has a loan to buy a house under his name, he 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, there is no house under the family name, but because of the previous loan record, applying for a mortgage will also be counted as the second suite.
4. If there is a house purchased in full in the name of an individual, then the house purchased by loan:
In the past, it only "recognized the loan", not counting the second suite, but now it has added "recognized the house". Although there is no loan, as long as you can find the property under your name in the housing property rights trading system, you don't have to sell it or apply for a loan, you will also be recognized as a second suite.
5. Use commercial loans for the first purchase and provident fund loans for the second purchase:
At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled 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 borrows money to buy a house before marriage and applies for a loan to buy a house in the name of the other party after marriage, but their accounts are not together:
After the marriage, although the registered accounts of both husband and wife did not fall together, they have registered their marriage with the Civil Affairs Bureau. Now, when issuing loans, banks will require borrowers to provide proof of marital status in addition to household registration books, while married couples can't provide proof of singles, so when buying a house again, they will count the other party as a second suite.
7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house:
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 the divorce, the other party will be recognized as a second suite. This has made many attempts to escape the new deal of the second suite through "fake divorce" go down the drain.