The mortgage loan is 1. As long as the borrower has made a mortgage loan, it belongs to the second suite 2. It's impossible to get the same mortgage.

Second, is it a second provident fund loan to buy a commercial and residential dual-use house in Beijing?

Recognize the house and the loan;

Count to two.

3. Is it a second suite to buy a commercial and residential house with a foreign loan and then buy a house in Beijing?

Counting two sets, whether you are in Beijing or other places, as long as you have bought a house or had a mortgage, whether the house has been sold or not, buying a house in Beijing is counted as two sets, and the housing here also includes commercial housing! Commercial and residential houses in Beijing and the whole country also account for the number of houses purchased in Beijing.

The criteria for determining the second suite in the New Deal are as follows: if the households in this city already own 1 suite, and have no housing in this city but have commercial housing loan records or provident fund housing loan records, the down payment ratio for purchasing ordinary self-occupied housing shall not be less than 60%, and the down payment ratio for purchasing non-ordinary self-occupied housing shall not be less than 80%. Suspension of personal housing loans with a loan period of 25 years (excluding 25 years). (including provident fund loans). In addition, it will take 3 years or more for the commercial housing purchased by enterprises to be listed and traded again. If the transaction object is an individual, it shall be implemented in accordance with the purchase restriction policy of this Municipality.

I bought a suite with a commercial loan, and now I want to buy it with the provident fund. Is it the second suite?

Buy a suite with a commercial loan, and then buy a second suite with a provident fund loan.

According to the city's 20 14 loan policy, employees who have paid the provident fund for more than half a year and have loans in commercial banks (the loan repayment in commercial banks is more than one year) can also borrow in the city housing provident fund management center. However, when calculating the borrower's repayment ability, the provident fund center should deduct the monthly repayment amount of the borrower's loan in the commercial bank, and calculate the loan amount according to the remaining repayment ability after deduction.