1. If you already have two suites in your name and your household registration is in Shenzhen, you can sell one and buy another, but this must be done at one time. If you are not registered in Shenzhen, you must sell both sets before you can buy them, and pay them in one lump sum. If you have used the loan to purchase a house and applied for the purchase of a second house (inclusive), the down payment ratio shall not be less than 40%, and the interest rate shall not be less than 1. 1 times of the benchmark interest rate of the central bank.

2. The hukou is a family, and the Shenzhen hukou can buy 2 houses, including houses registered by the Land and Resources Bureau: private houses, commercial houses and welfare houses. Those who are not registered in Shenzhen can only buy one house. If your child has opened another account, it is another family, then the second suite is generally 60% down payment.

3. The second apartment in Shenzhen is recognized as "recognizing the house and recognizing the loan". For the lender to implement the second (or above) differentiated housing credit policy for the borrower, the borrower has used the loan to purchase a house (or above) and applied for a loan to purchase a house; The lender is convinced that the borrower's family already owns a set (or more) of housing through due diligence in the form of checking credit records, face-to-face interviews and interviews. Land and Resources Bureau can check the number of properties under the family name, and banks can check the housing loan records.

Now it is a family unit. If there is a house under the family name, you must have a Shenzhen hukou to buy a second set, with a down payment of 60%. If you don't have a Shenzhen hukou, you can't buy a suite now. But if the house has been sold, you can buy another one with a down payment of 60%.

What is the identification standard of Shenzhen Shenhu Second Suite?

1, Shenhu has no house and no mortgage record, with a down payment of 30% and an interest rate of 10%.

2. Deep-seated families have no housing and mortgage records (including off-site loans, which have been settled), with a down payment of 50% and an interest rate of 10%.

3. Deep-seated families have no housing and mortgage records (including outstanding loans in different places 1), with a down payment of 50% and an interest rate of 1. 1 times.

4. Deep households have no housing, and there are two or more unsettled off-site mortgage records, and loans are prohibited.

5. Shenhu 1 Shenzhen real estate with mortgage record (including off-site loans, which have been settled), with 70% down payment and interest rate of 10%.

6. Shenhu owns Shenzhen real estate 1 set, and has mortgage records (including outstanding loans from other places 1 set), with a down payment of 70% and an interest rate of 1. 1 times.

7. Shenhu has two Shenzhen properties, and loans are prohibited.

8. For single households (including divorced households) with no house or mortgage record, the down payment is 30%, and the interest rate is 10%.

9. Single person in Shenzhen and Shanghai (including divorced person) without a house, with mortgage record (including off-site, the loan has been settled), with a down payment of 50% and an interest rate of 10%.

10, single in Shenzhen and Shanghai (including divorced) without a house, with mortgage record (including off-site, 1 outstanding loan), 50% down payment, interest rate 1. 1 times.

1 1. If a single household (including divorced) has no house, and there are two or more off-site mortgage records that have not been settled, the loan is prohibited.

12, single people in Shenzhen and Shanghai (including divorced people) have Shenzhen real estate 1 set, and loans are prohibited.