First, to buy a suite with a loan, you can find the property through the housing registration system, and then buy two sets with a loan.
Second, I bought a suite with a loan and later sold it. You can't find the property through the house registration system, but you can find the loan record in the bank collection system, and then you can borrow money to buy two sets.
Three, the full purchase of a suite, through the housing registration system can query the property, the loan to buy a house is two sets.
Fourth, I bought a suite in full and sold it later. The house registration system can't find the property, and then the loan is used to buy the first house.
Five, the local housing registration system does not have the query conditions, the bank due diligence to verify that the buyer has a set of housing, and then buy two sets.
In recent years, the domestic real estate industry, as a pillar industry of the national economy, has played a great role in driving the domestic economy out of deflation and maintaining the sustained and rapid growth of the domestic economy. However, due to the serious phenomenon of real estate speculation in some places, some real estate developers create irrational consumption through various means, which leads to the rapid rise of house prices in some places.
If this trend is left unchecked, it will lead to a real estate bubble, which will not only increase the huge risks of banks, but also hurt the sustained and stable development of the entire domestic economy. Therefore, the adjustment of the new mortgage policy not only strengthens people's interest rate risk awareness, but also strengthens the demanders' reasonable expectations of future capital prices, and is also conducive to the interest rate management and risk pricing mechanism of personal housing loans of commercial banks.
From the overall and long-term point of view, the new mortgage policy is also beneficial to the people, and macro-control must pay attention to the combination of supply management and demand management. Since the policy goal must be to curb investment, it is also necessary to curb demand by raising interest rates and increasing the down payment ratio.