1. If you have bought a house with a loan before, if the loan is not paid off, buying another house will count as a 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 yet been paid off. At this time, refinancing to buy a house is considered to be a second house or more.

3. One of the couple used a commercial loan to buy a house before marriage, and the other used a provident fund loan to buy a house before marriage. After marriage, the two want to take out a joint loan in the name of husband and wife. If the loan has been repaid, then buying a house can be considered as the first home. If the loan has not been repaid, then buying a house can be considered as second home or more.

4. Two people are planning to get married but have not yet received a marriage certificate. If one party has an unpaid mortgage in their name, and the other party has no real estate or mortgage records, buying a new house together will be considered a second home. .

How much is the down payment for the first house and the second house?

1. Now the bank adopts the policy of confirming the loan but not recognizing the house for the second house. The full payment means no loan. The second house has a mortgage. For a first-time home, the down payment is 30%, and the interest rates vary from bank to bank. The lowest is almost 10% off the base interest rate.

2. If all loans have been paid off, even if the buyer already has a home in his name, banking financial institutions will still implement the first home loan policy. If a buyer already has two or more houses in his name and has paid off the corresponding house purchase loans, and then applies for a loan to purchase a house, 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.

3. Assuming you have a house in your name and no loan, or you have paid off the loan, you can enjoy the first home loan policy when you buy a house again. However, if the loan is not paid off, the second home policy will be implemented.

Policies for buying second homes

1. There have been strong signals of real estate “destocking” long ago. The adjustments in the second home policy include adjustments to the deed tax and business tax, which mainly eliminate the distinction between non-ordinary residences and ordinary residences, and increase the preferential treatment for families’ second improved homes.

2. In cities that do not implement "purchase restrictions", lowering the down payment ratio of mortgage loans and adjusting the deposit interest rate of employees' housing provident fund accounts are considered by the industry to be policies that will help "destock" real estate.

3. There are three main policy tools used by the government to regulate the real estate market: one is taxation, one is credit, and the other is purchase restrictions. Among tax policies, they are mainly deed tax and business tax policies. This time, the two tax types are All adjustments have been made, and it is a targeted adjustment. ”

4. If an individual purchases a family house with an area of ??90 square meters or less, the deed tax will be levied at a reduced rate of 1%; if the area is more than 90 square meters, the deed tax will be levied at a reduced rate of 1.5%. . If an individual purchases a second improved house with an area of ??90 square meters or less, the deed tax will be levied at a reduced rate of 1%; if the area is more than 90 square meters, the deed tax will be levied at a reduced rate of 2%.

5. Business tax policy: If an individual sells a house that has been purchased for less than 2 years, the full amount of business tax will be levied; if an individual sells a house that has been purchased for more than 2 years (including 2 years), the business tax will be exempted.