2. If a resident family owns 1 apartment in this city and has no loan record, or owns 1 apartment and the loan has been paid off, the down payment ratio for purchasing ordinary commodity housing shall not be less than 50%.
3. If a resident family owns 1 apartment in this city and the loan has not been paid off, the down payment ratio for purchasing ordinary commodity housing shall not be less than 70%. The down payment ratio for purchasing non-ordinary commodity housing is not 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.
According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be 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.
According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for minors' real estate, applying for a mortgage is not a second set.
3. If there is a house bought in full under the name of the individual, then buy a house with a loan.
In the past, it only "recognized the loan", not counting the second suite, but now it has added "recognized the house". Although there is no loan, as long as you can find the property under your name in the housing property rights trading system, you will be recognized as a second suite if you don't sell it or lend it.
4. Individuals have a loan to buy a house, and then use the loan to buy a house after the sale.
At present, the bank's identification of the second suite is "recognizing the house and recognizing the loan". That is to say, although the property bought by the loan is sold, there is no house under the family name, but because of the previous loan record, applying for a mortgage will also be counted as the second suite.
5. Use commercial loans for the first purchase and provident fund loans for the second purchase.
At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled 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.