1. The first home loan is paid off, not counting the second home.
2. Buy a suite with a loan. If the commercial loan has been settled, it will be the first set, and if the loan has not been settled, it will be the second suite.
3. There are two sets of commercial loan records in the personal name, one set has been paid off and the other set has not been paid off. At this point, the refinancing was identified as the second suite and above.
4. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans to buy a house before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, the loan interest rate and down payment ratio of banking financial institutions shall be more than two suites if the loan has not been paid off.
Extended data
In order to implement the Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities (Guo Fa [2065 438+00] 10No.) and standardize the second set of housing identification standards for loan applicants (hereinafter referred to as borrowers) in commercial personal housing loans, relevant matters are hereby notified as follows:
First, the number of residential units in commercial personal housing loans should be determined according to the actual number of complete sets of housing units owned by family members who intend to purchase houses (including borrowers, spouses and minor children, the same below).
Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.
If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.
Three. In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:
(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;
(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;
(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).
IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice.
For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.
Five, all localities should take the construction of urban housing registration information system as an important work to implement the the State Council [2065 438] 10 document. Cities with incomplete data should further improve their systems; Cities that have not yet established a housing registration system should speed up construction. Before the end of 20 10, all cities with districts should basically establish a housing registration information system.
We should strengthen the management of housing information inquiry. The real estate administrative department shall make inquiries in strict accordance with the Interim Measures for Inquiring about Housing Ownership Registration Information (J.R. [2006] No.244) and the Trial Measures for the Management of Housing Register (J.R. [2008] No.84), and issue written inquiry results. Those who provide false inquiry information shall be dealt with severely according to relevant regulations.
Central People's Government Network: the State Council's circular on resolutely curbing the excessive rise in housing prices in some cities