Many people want to buy two suites when the economy is affluent, but there are relevant policies for buying a house, and some friends who buy a house don't know. Then, the following small series will share with you whether you have bought a second suite with the provident fund and the criteria for determining the second suite.
First, the provident fund has not been used. Can I buy a second suite?
If the provident fund has not been used, you can buy a second suite. If the first house uses a commercial loan and is being repaid, the second house can use a provident fund loan. The down payment ratio is calculated according to the second suite. The down payment is 30%-40%, and the interest rate rises 10%. When applying for provident fund loans, you can consult the local provident fund management center first, and how much is the down payment.
Identification standard of second suite and second suite
1. I bought a suite with a loan, found the property in the registration system of the Housing Authority, and then I can buy a house with a loan, which is recognized as a second suite.
I bought a suite with a loan and then sold it. There is no real estate in the registration system of the Housing Authority, but the bank credit information system can find the loan record and then borrow money to buy a house, which is identified as the second suite.
3. If you buy a suite in full, you can find the property in the registration system of the Housing Authority, and then borrow money to buy a house, which is identified as the second suite.
4. If the local area does not support the query conditions of the housing registration system for the time being, the bank investigates and verifies that the purchaser already owns a house, and then borrows money to buy a house, which is recognized as a second suite.
5. There are commercial loan records of two suites under the personal name. One mortgage has been paid off and the other loan has not been paid off. At this time, the loan is re-loaned, which is more than two suites.
6. I bought a suite with a loan, and the loan has been settled, and then I borrowed to buy the first house. If the loan is not settled, it is identified as the second suite.
Abstract: The above is the provident fund shared by Bian Xiao. Can I use the second suite? And the related content of the second suite identification standard, I hope to help you. Want to buy a house, know the knowledge of buying a house in advance, so you can take fewer detours.
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