As people’s living standards continue to improve, many families are beginning to prepare to buy second homes, and there are still many people who don’t know what the criteria for identifying second homes are. In fact, the criteria for identifying second homes are very important. Below we will bring you the latest second home recognition standards, hoping to be helpful to you.

What is a second suite?

"Second house" is the abbreviation of the second ordinary owner-occupied house. It refers to the borrower's family (including the borrower, spouse and minor children) as a unit. The per capita housing area of ??the borrower's family is high. If the housing loan is below the local average, apply for a housing loan from a commercial bank again.

What are the latest standards for identifying second homes?

1. If you have purchased a house with a loan, the commercial loan has been settled, and you then take out a loan to buy a house, it will be counted as the first house; if the loan has not been paid off, it will be counted as the second house.

2. There are commercial loan records for two houses in one’s name, one has been paid off and the other has not been paid off. At this time, the refinancing is considered to be more than two houses.

3. There are two husbands and wives. One party used a commercial loan to buy a house before marriage, and the other party used a provident fund loan to buy a house before marriage. After marriage, the two want to obtain a joint loan in the name of husband and wife. If the loan has been repaid, banking financial institutions can flexibly control the loan interest rate and down payment ratio based on specific factors such as the borrower's solvency and credit status; if the loan has not been repaid - it is considered a second home or more.

4. If you buy a house with full payment and buy a house with a loan - it is considered your first house.

5. I bought a house with full payment, but later sold it. The property could not be found in the housing registration system, so I took a loan to buy a house again - it is considered my first house.

6. If the local area does not have the query conditions of the housing registration system, and the bank performs due diligence to verify that the home buyer already has a house, then a loan can be used to buy a house - it is considered the first house.

7. If you have commercial loan records for two houses in your name, all of which have been paid off and sold, and you can provide proof of the sale of the two houses, in this case, when refinancing, it will be counted as the first house.

8. The commercial loan for one house under my personal name has been paid off, and the provident fund loan for the other house has also been paid off. Apply for a commercial loan and then buy a house - it is considered the first house.

9. Between a couple, one party owned a house before marriage but had no loan record, and the other party had loan records before marriage but no real estate under their name. If they apply for a loan to buy a house after marriage, it is considered their first home.

10. I bought two or more houses with loans, and later sold them all. I can’t find the property through the house registration system, but I can find the loan record in the bank’s credit system, and then I borrow money to buy a house again - count First set.

The above is what the editor brings to you. What is a second house? What are the latest standards for identifying second homes? all content.