Hebei's three-house policy is as follows

The bank implements the principle of confirming the loan but not the house. As long as the home buyer's family has no outstanding mortgage loan, he can apply for a loan for the first house. Policy acceptance. A family consists of three types of people: spouse, minors and children. As long as a family has an outstanding mortgage loan and then buys a second house, it is called a second house. The third suite is also for families.

If a family has two mortgages, it will be calculated as three houses. The head office's credit standard for issuing three or more housing loans is that "the down payment ratio and interest rate must be significantly increased." The policies of various regions and banks vary, but basically the down payment for the three houses is more than 50%, and the loan interest rate increases by 15 to 20%.

Recognizing the loan but not recognizing the house means that when defining the second house, if the buyer has registered a loan to buy a house in the bank's credit system, and the loan has not been paid off, then he applies for a loan to buy a house. , will define the room as a second suite or above. If all loans have been paid off, even if the buyer already has a home in his name, banking financial institutions will still implement the first home loan policy.

If a buyer already has two or more houses in his name and has paid off the corresponding house purchase loans, and then applies for a loan to purchase a house, banking financial institutions can flexibly apply for a loan based on specific factors such as the borrower's solvency, credit status and other factors. Understand the loan interest rate and down payment ratio.