First home loan policy
The property is not the first suite.
In the past, as long as there was a property or a property, it was not the first suite, but only the second suite. Because the loan ratio and interest rate of the first suite and the second suite are different, the maximum loan for the first suite is 70%, while that for the second suite is only 40%. Moreover, it is stipulated that the purchase of the first suite enjoys preferential mortgage interest rates.
The mortgage also settled the first suite.
Now, the four major banks have adjusted the criteria for determining the first suite and will "repay the mortgage to the first suite". Simply put, it is to recognize the house and not to recognize the loan. It doesn't matter how many suites you had before. As long as you sell or transfer it to others, buying a house is still the first suite. In this case, for families who own 1 apartment and have settled the corresponding housing loans, and for friends who apply for loans to buy ordinary commercial housing again to improve their living conditions, they will greatly provide preferential treatment and reduce the pressure of buying houses.
The latest first suite certification standard
1, the loan has already bought a suite, the commercial loan has been settled, and then the loan is used to buy a house-the first suite.
I bought a suite with a loan and later sold it. 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 suite.
3. I bought a suite in full and bought a house with a loan-the first suite.
4. I bought a suite in full and sold it later. The house registration system couldn't find the property, so I took out a loan to buy a house-the first suite.
5. There are commercial loan records of two suites in the name of the individual, which have all been paid off and sold, and at the same time, they can provide proof of selling two houses. In this case, when refinancing, the first suite is counted.
6. One suite of commercial loans has been paid off, and the other set of provident fund loans has been sold. At the same time, you can provide proof of house sale, apply for a commercial loan and buy a house-the first suite.
The latest policy of the first home loan
For families who buy the first ordinary self-occupied house by loan, the minimum down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark interest rate, but the minimum interest rate of general banks is around 0.85, and the down payment can reach 30%.
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