Regarding the identification of second homes:
1. If the parents do not have a house in their name, the house purchased by their children is considered the first home; if the parents already have real estate in their names, the house purchased by their children is considered a second home.
2. Seven situations in which the bank considers the second house to be a second house
1. There is a house in the name of the parents and the house is purchased in the name of the minor children
Detailed explanation: According to Under the new policy, family members include the borrower, spouse 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 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
Detailed explanation: According to the current "loan subscription and house subscription" of banks, if the existing real estate is not sold, Under the current situation, refinancing a house to buy 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.
3. If you have a fully-purchased house in your name, then take out a loan to purchase the house
Detailed explanation: In the past, you could only "subscribe for a loan". This situation does not count as a second home, but now it is included. "House recognition" means that although there has been no loan, as long as it can be found in the housing property transaction system that there is a property under the name, it will be recognized as a second home without selling it and applying for a loan.
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
Detailed explanation: At present, the bank considers the second house as "recognition of the house and subscription of the loan", that is, It is said that although the property bought with a loan is sold and the family no longer has any house in their name, because it has a 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
Detailed explanation: The current provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, regardless of whether the mortgage has been settled or not. , whether the property is sold, 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 had taken a loan to buy a house before marriage, and after marriage applied for a loan to buy a house in the name of the other party, but their household registrations were not together
Detailed explanation: After the couple got married, although their household registrations were not in the same Together, but there was a marriage registration at the Civil Affairs Bureau. Now, when approving loans, banks not only require borrowers to provide their household registration books, but also require them to provide proof of marital status. Married couples cannot provide proof of single status, so the other party will also be counted 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 applies for a loan to buy a house again
Detailed explanation: As long as the mortgage record can be found in the central bank's credit system, then even if After divorce, the property is awarded to one party, and the other party will also be recognized as a second home when the other party takes out a loan to buy a house.