Nowadays, with the development of social economy and the continuous improvement of people's living standards, more and more people want to buy a second suite to improve their living environment. However, the down payment ratio of the second suite varies from region to region. Today, Xiang Xiao will share with you the down payment ratio of the second suite in Beijing. Friends who want to know may wish to have a look with Bian Xiao!

First, the down payment ratio of the second suite in Beijing

1. For those who own 1 apartment in Beijing as a family unit, and individuals who have no apartment in Beijing but have a record of commercial loans or provident fund housing loans, the down payment ratio for purchasing two ordinary houses in Beijing is not less than 60%, and the down payment ratio for purchasing two non-ordinary houses is not less than 80%.

Second, the criteria for the bank to identify the second suite

1. It is enough to buy a house already owned by parents in the name of minor children. According to the regulations, children are also family members, so even if you buy a house in the name of a minor, it belongs to the second suite.

2. When you are a minor, you already have real estate under your name. The house bought by applying for a mortgage as an adult belongs to the second suite. Unless you sell the property under your name as a minor, it will be regarded as the lender's second suite.

3. In the case that an individual applies for a mortgage after buying a house in full, although there is no loan record in the individual's name, as long as the property owned by the individual can be found in the real estate transaction system, it belongs to the second suite, unless the house bought in full before is sold, otherwise it is the second suite under the individual's name.

4. If an individual has already taken out a mortgage and sold it after the loan is paid off, and the family members don't have any housing, it is also considered as a second suite, so there has been a loan record before, so when making a housing loan again, it should be implemented in accordance with the standard provisions of the second suite.

Bian Xiao concluded: The above are the down payment ratio of the second suite in Beijing shared by Bian Xiao and the criteria for the bank to identify the second suite. I believe after reading the above sharing, you will have a corresponding understanding. If you need more information, please continue to pay attention to Qijia. Com website. Bian Xiao will answer you one by one.