What is the down payment ratio of the second suite in Tianjin?
At present, Shanghai, Beijing and other places have fully implemented the policy of adjusting the down payment of the second home loan to 70%. In this case, the down payment ratio of the second suite in Tianjin is still 60% of the purchase price. Banks such as China Construction Bank, Bank of Communications and Zheshang Bank all implement this down payment ratio.
In order to reduce the housing burden of residents, many banks in Tianjin are also implementing a down payment ratio of 40%, such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Merchants Bank, Industrial Bank, Shanghai Pudong Development Bank and Huaxia Bank. According to another source, Tianjin will implement a 20% down payment ratio for individuals applying for portfolio loans.
What is the standard for determining the second suite in Tianjin?
If parents own houses, they will buy houses in the name of minor children. According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families.
1. If you have a property under your name when you are a minor, and then take out a loan to buy a house when you are an adult, it will be implemented according to the second suite policy. If a person has a house bought in full under his name and then borrows money to buy a house, it is also recognized as a second suite, and he will not sell it or apply for a loan. There is a loan to buy a house under the name of the individual, and then the loan is used to buy a house after selling the house. However, because he has a loan record before, applying for a mortgage will also be considered as a second suite.
2. Buy a house with a commercial loan for the first time and a house with a provident fund loan for the second time. No matter whether the mortgage is settled or not, whether the property is sold or not, even if the provident fund loan has never been used, the first application for provident fund loan is considered as a second suite.
3. One party borrowed money to buy a house before marriage and applied for a loan to buy a house in the name of the other party after marriage, but their accounts were not together. When the bank approves the loan, it requires the borrower to provide proof of marital status in addition to the household registration book. If the married couple can't provide proof of singles, then when buying a house again, the other party will also be counted as the second suite. After the marriage, the two parties borrowed money to buy a house, and after the divorce, one party applied for a loan to buy a house.
For a relatively well-off family, if you want to buy a second suite, you can first understand the local policies and choose a house that suits you according to the policies. The above is an introduction to the down payment ratio of the second suite in Tianjin and the identification standard of the second suite in Tianjin. Everyone should know more about relevant policies when buying a house.