1. If there is a house in the name of parents, buy a house in the name of minor children.

Detailed explanation: According to the new policy, family members, including borrowers, spouses and minor children, apply for loans to buy houses again in the name of minor children, which is implemented in accordance with the second suite policy.

2. If you have a property under your name when you are a minor, you can borrow money to buy a house when you are an adult.

Detailed explanation: according to the bank's policy of "recognizing loans and houses", if you have a property under your name when you are a minor, you must borrow again to buy a house when you are an adult, which must be implemented in accordance with the second suite policy.

3. If there is a house bought in full under the name of the individual, then buy a house with a loan.

Detailed explanation: although the person who has bought a house in full under his name has never borrowed money, as long as he can find out that there is a property under his name in the housing property rights trading system and apply for a loan again, he will be recognized as a second suite.

4. Individuals have a loan to buy a house, and then use the loan to buy a house after the sale.

Detailed explanation: At present, banks "recognize housing and loans". Although there is no house under the family name after the property bought by the loan is sold, it is considered as a second suite to apply for a mortgage again because of the previous loan record.

5. Use commercial loans for the first purchase and provident fund loans for the second purchase.

Detailed explanation: Now the provident fund loan policy is relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, he has never used a provident fund loan before, and the first application for a provident fund loan is also considered as a second suite.

Summary: The above is related to the second suite policy in Shanghai. I believe everyone understands! Nowadays, many families have good economic conditions, so more and more people buy a second suite, but buying a second suite is conditional.

Second, Shanghai second home down payment new deal 202 1

Legal analysis: 1, down payment ratio: the down payment ratio of the first suite shall not be less than 35%;

The down payment ratio of two sets of ordinary self-occupied houses is not less than 50%, and the down payment ratio of two sets of non-ordinary self-occupied houses is not less than 70%.

2. Loan interest rate: the loan interest rate of two sets of ordinary commercial housing rises 10%.

3. Loan limit: the maximum personal loan limit for two sets of ordinary commercial houses will be lowered by 10%.

4. Provident fund restriction: Stop issuing provident fund loans to the families of employees who have already had two provident fund loans.

5. When applying for a loan, the purchaser should also promise that the down payment will be his own funds. If the promise is violated, it will be included in the public credit information service platform of this Municipality as untrustworthy information.

Legal basis: The Notice on Forwarding the Notice on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans stipulates that if a borrower applies for a housing loan after signing a house purchase contract, he shall truthfully declare the housing situation of himself and his family members to the loan bank; After the preliminary examination by the bank, the borrower applies to the real estate trading center for housing inquiry, and submits the purchase contract, application form, identity documents and other related materials.

Iii. 202 1 Shanghai second home loan restriction policy?

1. For families who purchase a second home by loan, the down payment ratio of the second home is not less than 70%, and the loan interest rate is not less than 1 and 1 times of the benchmark interest rate; 2. The deed tax on the appraised price of the second suite with an area less than 90 square meters is 1%, and that of the second suite with an area of 90- 144 square meters is 1 and 5%; 3. To buy a second ordinary house, the down payment ratio of commercial loans shall not be less than 50%, and the down payment ratio of non-ordinary houses shall not be less than 70%.

What are the criteria for determining the second suite?

1. If there is a house in the name of parents, buy a house in the name of minor children.

Detailed explanation: According to the new policy, family members, including borrowers, spouses and minor children, apply for loans to buy houses again in the name of minor children, which is implemented in accordance with the second suite policy.

2. If you have a property under your name when you are a minor, you can borrow money to buy a house when you are an adult.

Detailed explanation: according to the bank's policy of "recognizing loans and houses", if you have a property under your name when you are a minor, you must borrow again to buy a house when you are an adult, which must be implemented in accordance with the second suite policy.

3. If there is a house bought in full under the name of the individual, then buy a house with a loan.

Detailed explanation: although the person who has bought a house in full under his name has never borrowed money, as long as he can find out that there is a property under his name in the housing property rights trading system and apply for a loan again, he will be recognized as a second suite.

4. Individuals have a loan to buy a house, and then use the loan to buy a house after the sale.

Detailed explanation: At present, banks "recognize housing and loans". Although there is no house under the family name after the property bought by the loan is sold, it is considered as a second suite to apply for a mortgage again because of the previous loan record.

5. Use commercial loans for the first purchase and provident fund loans for the second purchase.

Detailed explanation: Now the provident fund loan policy is relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, he has never used a provident fund loan before, and the first application for a provident fund loan is also considered as a second suite.

Summary: The above is related to the second suite policy in Shanghai. I believe everyone understands! Nowadays, many families have good economic conditions, so more and more people buy two suites, but buying two suites is conditional.

Fourth, Shanghai also restricts the registration of three suites. Second home loan interest rate 1. 1 times the down payment of 60%, and it is foreign. ...

It is this requirement that foreigners can apply only if they provide proof of tax payment or social security for more than one year.