Different situations of applying for mortgage, housing and loan.
First, "recognize the house and loan":
In the first case, if the borrower applies for a loan to buy a house for the first time, and his family has registered 1 house or above in the house registration system of the place where he plans to buy a house, including the pre-sale contract registration and filing system, the house he purchases with the loan must be the second house or above.
In the second case, the borrower has used the loan to buy 1 house and above, and applied for a loan to buy a house, which is also recognized as the second house and above.
In the third case, if the bank is convinced that the borrower's family already owns 1 house and above through various forms of surveys such as inquiring about credit records and home visits, it will also refinance according to the second house and above.
Second, "recognize the house but not the loan":
Families with 1 apartment who apply for a loan to buy a house again, regardless of whether they have a loan or not, will be implemented in accordance with the second loan down payment policy.
Third, "the loan is not recognized":
1. It is no longer determined by the number of houses owned by families. As long as the second-home buyers pay off the first loan, the second loan will be determined according to the first suite.
2.2065438+On September 30, 2004, the Central Bank and the China Banking Regulatory Commission issued the Notice on Further Improving Housing Financial Services. Among them, the regulations on personal mortgage loans are the most concerned by the market. Including: the down payment ratio of the first suite is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate. For families who own a house and have settled the corresponding housing loan, they should apply for a loan to buy commercial housing again to improve their living conditions and implement the first home loan policy.