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20 19 What is the accreditation standard for the second suite in Hangzhou?
Hangzhou's economy is developing very fast, and there are restrictions on buying a second house. When buying, you must first understand the identification criteria, so that you can know whether you have the qualification and ability to buy a second house.

20 19 What is the identification standard for the second suite in Hangzhou?

One is to buy a house with a loan, and there is a house registration record under the name. If I apply for a loan to buy a house again, it will be considered as a second house;

Second, the house purchased by the previous loan has been sold, but there is a loan record in the name of the individual. If you apply for a loan again, the house will be recognized as a second house;

I have bought the house in full, and my name is on the property certificate. If I apply for a house again, it will be considered as two houses;

Fourth, there is no real estate registration record under the name, but there is a house before verification, and applying for a house again is recognized as two houses.

What should I pay attention to when buying a second house?

First, we should pay attention to the loan method we choose.

At present, banks choose three loan methods for property buyers, namely provident fund loans, commercial loans and portfolio loans. When buying a second house, you must consider your repayment ability and housing funds, because different loan methods require different amounts of repayment in the later period.

At present, it is the most cost-effective to choose provident fund loans, and the repayment pressure in the later period is relatively small, because the down payment is relatively small and the loan interest rate is relatively small.

Second, understand the number of people living in the family.

To buy a second house, we must first calculate how many people will live together in the later period. If the second house we buy belongs to improved housing, then some banks will give preferential policies to the first home loan.

Can a foreigner buy a second suite in Hangzhou?

Because Hangzhou has implemented a local purchase restriction policy, foreigners are not allowed to buy a house in Hangzhou, so foreigners can only choose to buy a house in Hangzhou at present.