Definition of the second suite:
1. If there is a house in the name of parents, buy another house in the name of minor children;
2. There is a real estate under the name of a minor, and you can borrow money to buy a house when you are an adult;
3. If there is a house purchased in full under the name of the individual, the loan is used to buy a house;
4. There is a loan to buy a house under the name of the individual, and then the loan is sold after buying a house;
5. Use commercial loans for the first purchase and provident fund loans for the second purchase;
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 jointly borrow money to buy a house, and after divorce, one party applies for a loan to buy a house.
Extended data:
First of all, the requirements for buying a second suite.
1, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children);
2. It is based on the total family housing area published by the local real estate management department according to the housing registration information system, and the per capita housing area of the borrower's family is higher than the local average housing level;
3. It is a mortgaged house for families who have used loans (including provident fund loans) to buy houses and then applied for housing loans from commercial banks.
Second, the down payment ratio and interest rate.
The down payment ratio of the second home loan is definitely higher than the first one. Usually the first home loan can be as low as 20%, and the interest rate rises to 10%-20%. For families who buy two self-occupied houses, the down payment ratio of the second house shall not be less than 70%, and the loan interest rate of the second house shall not be less than 1. 1 times of the benchmark interest rate.
Baidu encyclopedia-second suite