2, provident fund loans to buy a second suite down payment of 30%. For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%. Housing provident fund loans are issued to paid workers' families who purchase the first set of self-occupied housing and the second set of self-occupied housing. Stop issuing housing provident fund loans to paid workers' families who buy third and above houses.
3. For the second set of improved housing, the policy stipulates that the tax rate of 90 square meters and below is1%; The tax rate over 90 square meters is 2%.
4. The down payment for the second suite needs 4 floors, and the interest rate rises 10%. "If the loan of the first suite is paid off, the second suite can be counted as the first suite. The first home loan currently implements the benchmark interest rate. "
5. Newly purchased commercial housing (including newly-built commercial housing and second-hand housing) can only be transferred after obtaining the certificate of immovable property rights for 3 years. This means that the new house can only be traded after obtaining the real estate registration certificate for three years.
What should I pay attention to when buying a second suite?
1, focusing on policies:
If you want to buy a second suite, first of all, buyers need to know how to specify the specific time of the local real estate policy, mainly to determine whether they have the local purchase qualification. If you want to borrow money to buy a second suite, you need to know the loan policy of the second suite. Understand the bank loan policy, including the first home loan interest rate, second home loan interest rate, new commercial housing interest rate, second-hand housing interest rate, etc. Don't think it's useless to know the first suite policy. Maybe the second home you think belongs to the first home?
2. Pay attention to the loan method:
If the property buyers are sure that they belong to the situation of buying two suites, and they are qualified to buy houses locally, they should also pay attention to the loan method when handling the loan procedures. If they have already paid the personal provident fund, they can also consider using the provident fund loan. You can still enjoy the relevant preferential loan conditions when you buy the second suite. If the interest rate of provident fund loans is low, it can be used. If you buy the first set of commercial loans, you can apply for provident fund loans if you buy the second suite.
3. Be careful when signing a contract:
After signing a house purchase contract, many people will not pay much attention to signing a house purchase contract when buying a second suite. You should know that the purchase contract is an important document to protect the rights and interests of buyers. No matter how many suites you buy, the details of the contract may change, so read the terms carefully before signing the contract. If the purchase contract is blank and there are no supplementary terms, be sure to cross it out.