First, recognize the house and loan.
Recognizing the house means that when defining the second suite, if the borrower has registration information in the local house registration system, when buying a house again, the house will be defined as the second suite and above.
Loan identification means that when defining the second suite, if the property buyer has registered the information of loan to buy a house in the bank credit information system, then when applying for a loan to buy a house again, the house will be defined as the second suite and above. Loan recognition refers to seeing how many loan records you have, regardless of whether the loan is paid off or not.
Recognition of housing and loan means that when buying a house with a loan, as long as the borrower has a house or a mortgage record, it will be defined as a second suite or above.
For example:
1, Xiaoming bought a suite (Xiaoming's first suite) in full, without a bank loan;
2. Xiaoming bought a suite with a loan, and the loan has been paid off;
3. Xiaoming bought a suite with a loan and is still paying the mortgage;
Xiaoming bought a suite with a loan and then sold the house.
Under the policy of recognizing the house and the loan, no matter what kind of situation Xiaoming belongs to, buying a house again will be recognized as 2 suites, which will be implemented according to the down payment ratio of 2 suites. If Xiao Ming bought a suite in full and then sold it, and there was no room under his name and he had never had a loan record, then he bought a house again, which was also the first suite.
Of course, in some cities that recognize housing and loans, although the above cases 1, 2 and 4 are also recognized as second suites, they buy houses again because there is no loan or the loan has been paid off. The down payment ratio of this suite is between the first suite and the second suite, that is, higher than the first suite but lower than the second suite. In some cities that recognize housing and loans, the above four situations are implemented in accordance with the down payment ratio of the second suite. It depends on how the policies of each city are stipulated.
Second, recognize the house and not recognize the loan.
Regardless of whether the buyer has a loan record or not, as long as the buyer proves that there is no room under his name, it can be identified according to the first suite; If there is already a suite under the name of the buyer, whether the loan is paid off and then buying a house is determined according to the second suite. ? Banks will not consider the historical loan records of buyers when handling loans.
Third, the loan is not recognized.
It is not determined by the number of houses owned by families. As long as the second-home buyers pay off the first loan, the second loan will be determined according to the first suite.
In most cities, the number of housing units with provident fund loans is identified as "accepting loans but not recognizing houses", and the number of housing units needs to be inquired and identified through the credit information system of the People's Bank of China and the housing provident fund management system. Identification of provident fund loans and housing units:
1. If the borrower and his spouse have no outstanding personal housing loan records, it will be regarded as the first home loan.
2. The borrower and his spouse only have an outstanding personal housing loan record, which is regarded as a second home loan.
3. If the borrower and his spouse have two or more outstanding personal housing loan records, it will be regarded as the third set of housing loans.
In addition, whether the houses with 40-year property rights or 50-year property rights purchased by personal loans are included in the scope of "recognizing houses" and whether their loans are included in the scope of "recognizing loans" depends on how the policies of various cities are stipulated. Therefore, individuals should understand the city's policies and understand the interpretation of policies before buying a house.
(The above answers were published on 20 18-02-23. Please refer to the actual situation for the current purchase policy. )
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