There are two suites in the name. Regardless of the full purchase or loan purchase, users can borrow money to purchase the third suite, but the third suite can only apply for commercial loans. The down payment ratio and mortgage interest rate of buying a third suite will rise, but as long as the user meets the mortgage conditions and has strong repayment ability, there is still a certain probability that the user can pass the mortgage review.
Compared with provident fund loans, there is no limit on the loan amount of commercial loans and the number of user loans. However, when the second suite is in the repayment state, whether the loan to buy the third suite can pass the audit depends on the final audit result of the bank. After all, mortgage is a large loan, and banks have high requirements for users' repayment ability.
What are the criteria for identifying three suites? 1. There are two sets of commercial loan records in the personal name, one set has been paid off and sold, and the other set has not been paid off. If this situation is refinanced, it will be recognized by the bank as the third set of housing loans.
2. There are two sets of commercial loan records in the personal name, all of which are paid off and sold. Although you can provide two sets of housing sales certificates, but there is no real estate in your name, it will be considered as the third suite when you refinance.
3. A set of commercial loans under the personal name has been paid off, and another set of provident fund loans has also been paid off. The borrower wants to use the provident fund loan to buy another property, which is regarded as three suites according to the new provident fund policy and implemented according to the three-suite loan policy.
4. The first home loan provident fund loan, the second home loan commercial loan and the second home loan are also prepared to use commercial loans. This situation will definitely count as three sets.
5. Couples, before marriage, one party uses a commercial loan to buy a house, and the other party uses a provident fund loan to buy a house. After marriage, they want to borrow money in the name of husband and wife. According to the New Deal, although both of them are personal loans before marriage, buying a house in the name of husband and wife will still be counted as three suites because it is recorded in the central bank's credit information system.
6. Husband and wife, one party has a house before marriage but has not sold it with a loan, the other party uses a commercial loan to buy a house for their parents, and then uses a provident fund loan to buy a house in the name of the party without a loan after marriage. According to the current provident fund loan policy, no matter whether the property under the individual's name has been sold or not, whether the loan has been paid off or not, when the provident fund is used for refinancing, it will be regarded as the record of buying a house, and under the policy standard of recognizing the house and the loan as a unit, it will be regarded as the third loan to buy a house, and the loan will be stopped.