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Many people have recently been interested in Chengdu’s standards for identifying second homes, but in fact, most people don’t know much about Chengdu’s standards for identifying second homes. The editor has compiled relevant information for everyone, hoping to help you. 1. Criteria for the identification of second homes in Chengdu 1. The number of residential homes in commercial personal housing loans should be based on the number of complete homes actually owned by members of the family to be purchased (including the borrower, spouse and minor children, the same below). identified. 2. Upon the borrower's application or authorization, the real estate authorities of cities under separate state planning, provincial capital cities and other cities with the inquiry conditions shall inquire the borrower's family housing registration records through the housing registration information system and issue written inquiry results. If the query results of family housing registration cannot be provided because the local area does not currently have the query conditions, the borrower should submit a written good faith guarantee to the lender that the number of family housing units actually exists. If the lender finds out that the integrity guarantee is false, it should be recorded as a bad record. 3. If one of the following circumstances occurs, the lender shall implement the second (and above) set of differentiated housing credit policies for the borrower: the borrower applies for a loan to purchase a house for the first time, such as in the housing registration information system (including pre-sale The contract registration and filing system, the same below), the family has registered one (or more) complete set of housing; the borrower has used a loan to purchase one (or more) housing, and then applied for a loan to purchase a house; the lender collects information through inquiry Through due diligence in the form of letter records, face-to-face tests, interviews (residence visits when necessary), etc., it is confirmed that the borrower's family already has one (or more) houses. 4. For non-local residents who can provide proof of local tax payment or social insurance payment for more than one year when applying for housing loans, the lender will implement differentiated housing credit policies in accordance with Article 3 of this notice. For non-local residents who cannot provide proof of local tax payment or social insurance payment for more than one year when applying for a housing loan, the lender will implement the differentiated housing credit policy for the second set (and above); commercial housing prices are too high and rising too fast , In areas with tight supply, commercial banks can operate according to risk conditions and relevant local government policies and regulations. 2. Several key points for buying a second home. 1. Try to choose a provident fund loan to buy a second home, so that you can get more discounts when buying a house. . If a commercial loan is used for the first house, then when buying the second house, you may enjoy the preferential policies for buying the first house; and if both houses are provided with provident fund loans, as long as the loan for the first house is paid off Under certain circumstances, the second house can also enjoy the policy of the first house. 2. Before buying a house, first determine the area that the family needs to live in. According to relevant policies, when purchasing a second home, if the per capita area of ??the family is less than 26.6 square meters, you can enjoy the benefits of purchasing a house through a loan. Discount policies for purchasing your first home. 3. Before purchasing a second home, prepare as many materials as possible, so that you can save more time during the process. Especially if you need to use a loan to buy a house, the transfer and mortgage process will take a long time, so it is best to get all the certificates required for the loan in advance. I believe that after reading the relevant content compiled by the editor above about the identification standards for second homes in Chengdu, you will have a more comprehensive understanding of this issue. If you still have any questions, you can also bring relevant information and certificates to the relevant agencies. Department for further consultation and understanding. If you need more legal answers, you can consult a lawyer online!