You can get a loan for your second home. Second home loan conditions: The borrower has full civil capacity, a valid residence ID card in this city or a formal urban household registration in this city, stable income, good credit, and the ability to repay principal and interest.

The difference between a second home loan and a first home loan

1. Different loan amounts: The loan amount of a second home loan is much lower than that of a first home loan. For example, in Beijing, borrowers can get a maximum loan of 70% for a first-time home, but only 30% for a second home. The specific loan amount is subject to regional regulations.

2. The expected annual interest rate of the loan is different: the expected annual interest rate of the loan for the second home is much higher than the expected annual interest rate of the loan for the first home. As far as provident fund loans are concerned, the expected annual interest rate of the second home loan is based on the expected annualized interest rate of the first home provident fund loan, with an increase of 10%. The expected annualized interest rates for second-home loans for other commercial loans are subject to the regulations of each commercial bank, but generally speaking, they are relatively high.

3. Loan difficulty is different: Of course, the loan difficulty for a second home loan will be much more difficult than a first home loan. Especially when funds are tight, it is often difficult to apply for a second home loan. arrive.

Recognition of a house

1. After buying a house with a loan, the commercial loan has been paid off, and then you can buy a house with a loan.

2. I bought a house with a loan, but later sold it and could not check the property through the house registration system, but I could check the loan record in the bank's credit system and then took out a loan to buy a house.

3. Buy a house with full payment and then buy a house with a loan.

4. I bought a house with full payment and later sold it, but the property cannot be found in the house registration system and I then took out a loan to buy a house.

5. One of the couple had a house before marriage but no loan record, and the other spouse had loan records before marriage but no real estate in their name. They apply for a loan to buy a house after marriage.

Determination of a second house

1. If a person has two commercial loan records under his name, one has been repaid and the other has not been repaid. At this time, the refinancing is considered to be a second house or more.

2. If you have purchased a house with a loan and the commercial loan has been paid off, then you can take out a loan to buy a house - it counts as the first house. If the loan has not been settled, the second house will be liquidated.

3. One of the couple uses a commercial loan to buy a house before marriage, and the other uses a provident fund loan to buy a house before marriage. After marriage, the two take out a loan in the name of husband and wife. If the loan has been repaid, the bank will Flexibly grasp the loan interest rate and down payment ratio based on specific factors such as the person's solvency, credit status, etc. If the loan is not repaid, the second home or more will be liquidated.

4. I am planning to get married, but have not yet received the marriage certificate. One party has real estate and a mortgage that has not been repaid, and the other party does not have any real estate or mortgage records. Now they are buying a new house together and register their names. A person with no loan history applied for a loan. Since *** was the property owner, the two of them took a mortgage loan from the bank to buy a house.