1. There are commercial loan records of two suites in my name, one of which has been paid off and the other has not been paid off. At this time, the refinancing is recognized as the second suite and above.
2. Loan to buy a suite, commercial loan has been settled, and then loan to buy a house-the first set. If the loan is not settled-two sets.
3. I bought a suite in full and bought a house with a loan-the first set.
4. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.
5. If the local area does not have the query conditions of the housing registration system for the time being, the bank will conduct due diligence to verify that the purchaser already has a house, and then take out a loan to buy a house-the first set of calculations.
6. Husband and wife, one party buys a house before marriage and uses a commercial loan, while the other party buys a house before marriage and uses a provident fund loan. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status. If the loan has not been paid off, it is more than two suites.
7. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.
8. One commercial loan has been paid off, and the other provident fund loan has also been paid off. Apply for a commercial loan before buying a house-the first set.
9. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. After marriage, he buys a house and applies for a loan-the first set is counted.
10. I bought more than two houses with a loan and later sold them. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set.
I have a shop. Is buying a house the first set?
Shops are not restricted, that is, if you buy a shop, you will buy the first house, and if you buy a shop with a loan, you will buy the second house! If your name is not on the real estate license, then you can buy a house again, which is the first set. This is not a group, you are the first group,
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
There is a shop under its name. Can buying a house be regarded as the first suite?
Existing shops, and then buy housing as the first suite, deed tax, etc. Enjoy the first suite policy; However, if there is a loan, the loan interest rate may not be calculated according to the first suite. Please consult your local bank for details.
The first suite must meet three conditions:
1, buyer 18 years old or older;
2. The house bought is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%);
3. There is no house purchased separately or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or resettlement are excluded.
Extended data:
First suite
The first suite refers to the purchase of only one set of housing (according to the national standard of the first suite). The People's Bank of China stipulates that urban residents in China can enjoy preferential policies such as preferential mortgage interest rate and minimum down payment ratio when purchasing the first home.
2065438+On September 22, 2004, the website of Fuzhou Municipal Government issued a new real estate policy, and the first suite settled the mortgage balance. The four major banks will also adjust the criteria for the identification of the first suite, "the first suite will also be mortgaged". The reporter asked the central bank and the four major banks for verification and did not get a reply.
On September 30th, 20 14, the People's Bank of China released the latest mortgage policy and decided to relax the identification of the first suite. For families who own 1 suite and buy a house after paying off the loan, the first suite policy is implemented, and the minimum interest rate for the first suite loan is 30%.
From September 20 15 1 day, the minimum down payment ratio of the provident fund with 1 house and settled housing loan will be reduced to 20%.