Count the second set, because you have a business loan record. 60% down payment

2. What is the standard for the second suite of Shanghai provident fund loans?

1. The paid employees' families have no housing in the name of this city, and there are 1 deposit records of provident fund 1 time.

2. The paid workers' families have only 1 house in the name of this Municipality, and the per capita housing construction area is not higher than the per capita housing construction area of the whole city announced by the statistics department in the previous year (the per capita housing construction area of urban residents in Shanghai in 2020 is 37.2 square meters), and there is no record of provident fund deposit or the settlement of provident fund deposit 1 record. The calculation scope of per capita housing construction area is limited to borrowers, spouses and minor children.

Second, how to identify the "first suite" officially implemented in today's new provident fund policy?

Starting from today, the new housing accumulation fund policy in Shanghai has been officially implemented, with a maximum family loan of10.2 million yuan.

However, many people are still unclear about the concept of "first suite": "Haven't you used provident fund? Is it the first set for the first time?" "I have used provident fund loans before. If I pay off and buy again, can I still count the first home loan of the provident fund? "

Many people have used provident fund loans, especially improved property buyers, and have basically used provident fund once or even many times. According to the regulations of Shanghai Housing Provident Fund Management Center, if the buyer applies for a pure provident fund loan, as long as there is no room under the current name and the previous provident fund loan has been paid off, no matter how many times he has applied for a provident fund loan before, buying a house can still be regarded as the "first suite".

If it is a portfolio loan, it depends on the standards of the lending bank. It should be noted that the "first suite" in the new provident fund policy does not stipulate that it must be ordinary housing, which is different from the new second-home loan policy.

In addition, the new policy of provident fund loans mentioned that "the purchase of an improved second set of ordinary commodity housing is implemented with reference to the purchase of the first set of housing policies, and the purchase of an improved second set of non-ordinary commodity housing, and the maximum loan amount of provident fund is adjusted accordingly." The word "improvement" here is not mentioned casually, but has a special concept.

According to the relevant person of the Provident Fund Center, "the per capita construction area standard for purchasing an improved second house is below 35. 1 square meter (including 35. 1 square meter)." In other words, the average house you own now is not more than 35. 1 square meter, which can be considered as "improved". The house you buy again must be ordinary housing in order to implement the policy of buying the first suite.

(The above answers were published on 20 15-04- 15. Please refer to the current actual purchase policy. )

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3. How to define the first suite of 202 1 Shanghai? What are the precautions for buying the first suite?

When buying a house in a big city, the distance between the first suite and the second suite is still very large. First, let's talk about the city of Shanghai. It is not easy to buy a house in this city. If we buy the first suite, his down payment is much less than that of the second suite. So if you want to buy a house in Shanghai, how do you define 202 1 Shanghai first suite? What are the precautions for buying the first suite?

When buying a house in a big city, the distance between the first suite and the second suite is still very large. First, let's talk about the city of Shanghai. It is not easy to buy a house in this city. If we buy the first suite, his down payment is much less than that of the second suite. So if you want to buy a house in Shanghai, and you are a suite with certain standards, then I will tell you how to define the first suite in Shanghai on 202 1. What are the precautions for buying the first suite?

How to define 202 1 Shanghai first suite?

1, 202 1 Shanghai first suite definition loan to buy a suite, the commercial loan has been settled, and then the loan to buy a house is the first set.

2.202 1 Shanghai First Suite Definition Loan I bought a suite and later sold it, but I can't find the property through the house registration system, but I can find the loan record in the bank credit information system, and then I can borrow money to buy a house. This is the first set.

3. 202 1 Shanghai First Suite Definition I bought a suite in full and bought a house with a loan, which is the first set.

4. 202 1 definition of the first suite in Shanghai bought a suite in full and later sold it. The housing registration system can't find the property, and then the loan is used to buy a house. This is the first set.

5.202 1 There are two commercial loan records in the name of the person defined as the first suite in Shanghai, all of which have been paid off and sold, and two sets of house sales certificates can be provided. In this case, when refinancing, the first set will count.

6.202 1 Definition of Shanghai First Suite One suite of commercial loans has been paid off, and the other set of provident fund loans has been sold. At the same time, you can provide proof of house sale, apply for a commercial loan and buy a house. This is the first set.

7.202 1 The first suite in Shanghai is defined as husband and wife. One party uses commercial loans to buy a house before marriage, and the other party uses provident fund loans to buy a house before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.

8.202 1 The first suite in Shanghai is defined as husband and wife. One party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under its name. Buying a house and applying for a loan after marriage is the first set.

Matters needing attention in purchasing the first suite

1. Pay attention to choosing a powerful developer when buying the first suite.

If you buy the first suite, then you need to choose a house built by a powerful developer, a real estate developed by a powerful and reputable developer, or a real estate that has been successfully opened in the same area. Priority can be given to this kind of real estate, usually with high resource integration and complete facilities.

2. Pay attention to the room rate and pool area when purchasing the first suite.

When buying the first suite, we also need to pay attention to the housing rate and pool area of the property, which are inseparable. It makes sense to put the housing acquisition rate and the pool area together, and the housing acquisition rate should not be too low or too high. If the floor space is too low, it will look small and feel lacking; If the occupancy rate is too high, it will bring inconvenience to the residents living in it. The higher the rate of getting a room, it means that the pool area is compressed. The pool area index is too low, and the elevator space and corridor area are not large.

3. Pay attention to five certificates when purchasing the first suite.

To buy the first suite, you need to check that the developer must have these five certificates to sell the house. Five certificates include: commercial housing sales (pre-sale) permit, construction permit, construction planning permit, construction land planning permit and state-owned land use permit.

How to define the first suite of 202 1 Shanghai through what I introduced to us? What are the precautions for buying the first suite? We need to know the established standards of the first suite. In fact, buying a house, if our house belongs to the first suite, then the down payment funds and loan interest rates are relatively small. So don't blindly choose to buy a house, especially in these big cities, buying a house requires funds.

Four, how to identify the first suite of Shanghai provident fund loans?

Neither of them has participated in the first set of loans. As long as they use commercial loans, they are all considered as two sets.