Many families need to buy a second suite for family reasons, but the policy of buying a second suite is not clear. We need to know in advance whether there are any restrictions on the second suite and whether we can borrow money. In fact, the restrictions on the second suite were introduced as early as 2007. Its purpose is to strengthen the management of commercial real estate, raise the threshold of the second suite and avoid the phenomenon of hoarding houses. Many families need to buy two suites for family reasons, but it is not clear about Jiangmen's policy of buying two suites. We need to know in advance whether there are any restrictions on the second suite and whether we can borrow money. In fact, the restrictions on the second suite were introduced as early as 2007. Its purpose is to strengthen the management of commercial real estate, raise the threshold of the second suite and avoid the phenomenon of hoarding houses.

Is there any restriction on buying a second suite in Jiangmen?

1. If parents have a house, buy another one 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.

2. When you are a minor, you have a real estate, and then you can borrow money to buy a house when you are 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.

3. If there is a house bought in full under the name of the individual, then buy a house with a 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.

4. There is a loan to buy a house under the name of the individual, and then the loan is used 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.

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 borrowed money to buy a house before marriage and applied for a loan to buy a house in the name of the other party after marriage, but their accounts were not together. After the marriage, although the husband and wife did not register 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.

Can Jiangmen borrow money to buy a second suite?

20 16 the new policy of second home loan was announced: the low down payment ratio was adjusted to not less than 40%. China People's Bank of China, Ministry of Housing and Urban-Rural Development, China Banking Regulatory Commission issued a notice on reducing the down payment ratio of personal provident fund to purchase a second home loan.

? 1. The down payment ratio of the first home loan is as low as 20%. The families of paid employees use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the down payment ratio is as low as 20%;

? 2. For the paid workers' families who own 1 house and have settled the corresponding housing loan, in order to improve their living conditions, they apply for housing provident fund entrusted loans to buy ordinary self-occupied houses again, and the down payment ratio is as low as 30%.

? 3. The down payment ratio of the second home loan is reduced to 40%. For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the low down payment ratio should be adjusted to not less than 40%. Before the adjustment: the down payment ratio of the second suite is 60%, and that of the north, Guangzhou and Shenzhen is 70%.

Countries with a down payment ratio of 40% have restrictions on buying a second home, and the down payment ratio is different in different housing areas. The relevant provisions of the state on the purchase of a second home require that the number of mortgage loans be decided by the family of the second home lender. If you need to buy a second suite, go to the major banks for consultation in advance, so that you can compare in detail and choose the right bank loan.