Second suite identification standard:

First, the number of residential units in commercial personal housing loans should be determined according to the actual number of complete sets of housing units owned by family members who intend to purchase houses (including borrowers, spouses and minor children, the same below).

Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.

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.

Three. In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:

(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;

(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;

(3) The lender confirms that the borrower's family already owns a set (or more) of housing through due diligence such as credit record inquiry, face-to-face investigation and interview (home visit when necessary).

IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice.

For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.

The second set of housing policy loan conditions

The loan conditions of the second suite policy are: (1) having a formal urban hukou or valid residence status in this city; (two) a stable income, good credit, the ability to repay the principal and interest of the loan; (3) The borrower has full capacity for civil conduct; (4) can provide a valid contract or agreement for the purchase of owner-occupied housing; (5) The borrower and the purchaser must be consistent in the house purchase contract, and the person (except the spouse) who has the property right to purchase * * * must issue a written commitment to agree to the house mortgage; (6) The housing provident fund is normally paid before the loan, and it has been paid continuously for more than half a year; (seven) has not less than 30% of the value of self-occupied housing (second-hand housing more than 40%) of its own funds; (8) The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month; (9) The borrower agrees to handle housing mortgage loan and insurance; (10) When purchasing a commercial house, the developer shall provide regular guarantee and file relevant credit information. Measures for the Administration of Commercial Housing Sales Article 30 A real estate development enterprise shall, in accordance with the contract, deliver the commercial housing that meets the delivery conditions to the buyer on schedule. If the delivery is not made on schedule, the real estate development enterprise shall bear the liability for breach of contract. If the delivery needs to be postponed due to force majeure or other reasons agreed by the parties to the contract, the real estate development enterprise shall promptly inform the buyer.

What are the requirements for the second home loan?

What are the requirements for the second home loan?

When many people want to buy a second house after buying the first house, the policy, loan interest rate and so on have actually changed since buying the first house. Below I have compiled the details of the second home loan requirements for everyone, hoping to help everyone!

What are the main loan requirements for the first and second homes?

1. The borrower has full capacity for civil conduct; Have a formal urban hukou or valid residence status in this city; Have a stable economic income, good credit and the ability to repay the principal and interest of loans; Before the loan, the housing provident fund was paid normally and continuously for more than half a year; Can provide a valid contract or agreement for the purchase of owner-occupied housing; In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house.

2. The borrower should have its own funds not less than 30% of the value of the self-occupied house (more than 40% of the second-hand house); The borrower agrees to handle housing mortgage loan and insurance; For the purchase of commercial housing, the developer shall provide phased guarantee and report relevant credit information; The borrower agrees to open a personal account in the bank that undertakes the loan, and agrees that the bank that undertakes the loan directly collects the loan principal and interest from the account every month.

How to define two suites and two suites

1, parents have a house, and then buy a house in the name of minor children, which is considered as a second suite;

2. Have a property under the name of a minor, and then borrow money to buy a house after adulthood;

3. Although the individual has a house purchased in full, he still borrows money to buy a house or a second suite; Although it can be regarded as the first suite according to the previous "recognizing loans and not recognizing houses", because the New Deal stipulates that "recognizing loans and recognizing houses", as long as there is a house under the name, refinancing is considered as the second suite;

4. There is a loan to buy a house under the name of the individual, and then the loan is purchased after the sale; Similarly, it is also because of "recognizing loans and recognizing houses". Although the house has been sold, there is still a record of the house, so it is still a second suite.

5. Use commercial loans for the first purchase and provident fund loans for the second purchase; "recognize the loan and recognize the house", which refers not only to commercial loans, but also to provident fund loans;

6. One party borrows money to buy a house before marriage, and applies for a loan to buy a house in the name of the other party after marriage, but the two accounts are not together;

7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house.

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New Deal for Second Home Loan in 2022

When buying a house by loan, the housing provident fund loan has the nature of policy subsidy, and the loan interest rate is very low. When handling mortgage, insurance and other related procedures, the housing provident fund loan fee will be halved. The balance of bank deposits accounts for not less than 30% of the funds needed for housing purchase, which can be used as the down payment for housing purchase. If there are assets recognized by the loan bank as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities, they may apply for bank mortgage loans. The maximum amount of provident fund loans is generally 6.5438+0-290,000 yuan. If it exceeds this limit, the insufficient part should apply to the bank for commercial housing loans.

I individual housing loan conditions

1, with legal identity.

2, a stable economic income, good credit, the ability to repay the loan principal and interest.

3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee to pay the down payment for the purchased houses.

5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

6. Other conditions stipulated by the lending bank.

Second, what should I pay attention to when buying a house with a mortgage loan?

1. Apply for the loan amount according to your own ability.

2. Choose a good loan bank for mortgage.

3. Choose the repayment method that suits you best.

The information provided to the bank should be true.

5. Provide my address accurately and timely.

6. Repay on time every month to avoid penalty interest.

3. What are the latest policies for the second home loan in 2022?

1. If you bought a suite with a loan before and the loan has not been settled, buying a house is also considered as two sets.

2. There are commercial loan records of two suites in the personal name, one of which has been paid off and the other has not been paid off. At this time, it is considered that refinancing to buy a house is more than two suites.

3. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans before marriage. After marriage, the two want to borrow money in the name of husband and wife. If the loan has been paid off, buying a house can be regarded as the first suite. If the loan has not been paid off, buying a house can be considered as more than two suites.

4. If the buyer is going to get married but hasn't got a marriage certificate, one party has outstanding mortgage, and the other party doesn't have any property and mortgage records. If they buy a new house together, it will be a second suite.

In short, buying a house depends on direct demand. After all, everyone has different ideas. Some people want to invest, others want to live. It can be considered according to the direct actual situation. After all, the currency is expanding, and many people think that the money in their hands is worthless, so they will choose real estate investment.

Legal basis:

Provisions of the new civil code on real estate

Article 27 of the Supreme People's Court's Interpretation on the Application of Marriage and Family in the Civil Code of People's Republic of China (PRC):

If a house rented by one party before marriage and purchased with the same property after marriage is registered in the name of one party, it shall be recognized as the joint property of husband and wife.

Article 29:

Before the parties get married, if the parents contribute money to buy a house for both parties, the contribution shall be regarded as a personal gift to their children, except that the parents clearly indicate that it is a gift to both parties.

After the parties get married, if the parents contribute money to buy houses for both parties, it shall be handled in accordance with the agreement; If there is no agreement or the agreement is unclear, it shall be handled in accordance with the principle stipulated in Item 4, Paragraph 1, Article 1062 of the Civil Code.

Article 32:

Before marriage or during the marriage relationship, the parties agreed to give the property owned by one party to the other party or * * *, and the donor revoked the gift before the registration of the change of the donated property, and the other party requested an order to continue the performance, the people can handle it according to the provisions of Article 658 of the Civil Code.

Article 76:

1. If both parties claim the ownership of the house and agree to bid, it shall be allowed;

2. If one party claims the ownership of the house, the evaluation institution shall evaluate the house according to the market price, and the party that obtains the ownership of the house shall give the other party corresponding compensation;

3. If neither party claims the ownership of the house, the house shall be auctioned or sold according to the application of the parties, and the income shall be divided.

Article 77:

At the time of divorce, both parties have disputes over the house that has not yet obtained ownership or full ownership. If negotiation fails, it is not appropriate for the people to judge the ownership of the house, but the parties should decide according to the actual situation.

After the parties have obtained the full ownership of the house specified in the preceding paragraph, if there is any dispute, they may bring a lawsuit to the people's court separately.

What are the loan conditions for the second home?

I believe everyone is familiar with the word "second suite", and the state also has relevant regulations on second suites. Many people question the loan conditions of the second suite. Then, the following small series will share with you what are the loan conditions for the second suite and what are the criteria for the bank to identify it as the second suite.

1. What are the loan terms for the second home?

The condition of the second home loan is: (1) The borrower has full capacity for civil conduct. (2) Have a formal urban hukou or valid residence status in this city. (3) It has stable economic income, good credit and the ability to repay the principal and interest of the loan. (4) Housing provident fund is normally paid before the loan and has been paid continuously for more than half a year. (5) can provide a valid contract or agreement for the purchase of owner-occupied housing.

Second, what is the standard for the bank to identify the second suite?

1. The second-home lender applied for a loan to buy a house for the first time. For example, in the place where the house is purchased, if the second-suite family in the second-suite registration information system (including the registration of the second-suite pre-sale contract) has registered a set (or more) of housing, it belongs to the second suite.

2. If the second-home lender has used the loan to purchase a set (or more) of housing and applied for a second-home loan to purchase housing, the bank will recognize it as a second-home.

3. The second-home lender conducts an investigation by inquiring about credit records, interviews and face-to-face interviews. If necessary, you can consult your neighbors to confirm that the second home lender's family already owns 1 house (and above), and the bank recognizes it as a second home.

4. For non-local residents who can provide tax payment certificates or social insurance payment certificates for more than 1 year, the second-home lender shall implement differentiated housing loan policies in accordance with Article 3.

Abstract: The above are the loan conditions of the second house in Bian Xiao, and the standards of the second house considered by the bank. I hope I can help you. It takes a lot of courage to buy a second suite, and the economic conditions should be well supported. Don't give yourself too much pressure.