Everyone is familiar with the second suite, but many people are not very clear about the national second suite policy. Regarding whether the second suite can use the provident fund, the answer is yes. As long as certain conditions are met, the second suite can be loaned.

Everyone is familiar with the second suite, but many people are not very clear about the national second suite policy. Regarding whether the second suite can use the provident fund, the answer is yes. As long as certain conditions are met, the second suite can be loaned.

Does buying a shop count as a second suite?

1, the second suite is the abbreviation of the second set of ordinary housing, which refers to the mortgaged housing recognized by the borrower's family, including the borrower, spouse and minor children. If the per capita housing area of the borrower's family is higher than the local average, it is to apply for a housing loan from a commercial bank again.

2. Buying a shop is not a second suite, because the shop is commercial real estate, so it is not included in the residential purchase restriction. There are no restrictions on buying shops. There is no problem with the first set and the second set. You can buy an extra set of shops.

The current housing market is restricted by the state, so there are so-called first and second sets of problems. The purchase of the first suite is encouraged, with deed tax discount (50% ~ 1.5%) and small area (below 90 square meters) discount (1%); The second set of purchase restrictions, no preferential deed tax (3%); The third set is forbidden to buy.

4. Of course, there has been a slight loosening this year. There are basically no restrictions except for big cities. The future trend is to respect the market, and the purchase restriction policy will eventually be abandoned.

What are the restrictions on the second-home provident fund loan?

As long as buyers don't owe bank loans (whether commercial loans or provident fund loans), they can use provident fund loans to buy two suites. If your first home loan is not settled, you cannot use the provident fund loan.

According to the Notice 165438+ issued by the Ministry of Housing and Urban-Rural Development and other four departments on June 2, the second set of housing provident fund personal housing loans is only provided to paid workers' families whose existing per capita housing construction area is lower than the local average level, and the loan purpose is limited to the purchase of ordinary self-occupied housing with improved living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.

The second suite is defined as the borrower's family (including the borrower, spouse and minor children). If a family has used provident fund loans or commercial loans to buy a house and applies for a mortgage again, it will be regarded as a second suite. According to the current relevant regulations, individual housing provident fund loan applicants can obtain corresponding approval as long as they have no housing loan business in commercial banks and provident funds and meet other housing provident fund loan conditions.

10/8, the relevant person in charge of the detailed rules-making department that implemented the Notice on Standardizing the Housing Provident Fund Personal Housing Loan Policy revealed that the notice required that only if the per capita housing area was lower than the local average level and the loan purpose was limited to the purchase of ordinary self-occupied housing with improved living conditions could the provident fund second home loan be obtained. The "per capita housing area" in the Detailed Rules for the Implementation of Beijing Municipality will adopt the data calculated by the Municipal Bureau of Statistics in 2009.

Second, does the shop count as a second suite?

without reason

The second suite is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is lower than the local average level, and then applies for housing loans from commercial banks.

The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated as the second home loan.

If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.

3. Is the store a second suite?

Shops don't count as second suites.

4. Does the store count as a second suite?

Buying a shop is not a second suite, because the shop is commercial real estate, which is not included in the residential purchase restriction, so it is not counted. The definition standard of two suites: buy one suite with a loan and buy two sets with the full amount.