What is the second suite? What effect does the second suite have on buying a house?
"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks.
It is not difficult to see from the definition that the second suite is relative to the first suite. The reason why the second suite is identified is to distinguish it from the first suite in terms of loans, down payment, taxes and fees. So you have to ask what effect the second suite has on buying a house? That is, if your house is recognized as a second suite, the minimum down payment ratio, the loan ratio and the tax you have to pay are all different.
How does the country identify the second suite?
To know Beijing's policies, we must first look at what the national policies are like. Of course, to understand the national policy, we have to look back at several policy nodes in the past.
Node 1: 9.30 New Deal
2065438+On September 30, 2004, the Central Bank and the China Banking Regulatory Commission jointly issued the Notice on Further Improving Housing Financial Services, which relaxed the mortgage policy closely related to the demand for self-occupation.
The detailed rules are mainly divided into the following points:
For 1 housing families who have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy.
Multi-suites can also issue loans when they settle loans in non-restricted cities; Enhance the ability of financial institutions to provide personal housing loans; Continue to support the reasonable financing needs of real estate development enterprises.
Node 2: "3.30" New Deal
2065438+On March 30, 2005, the central bank, the Ministry of Housing and Urban-Rural Development and other five ministries jointly issued a new property market policy, adjusting the down payment ratio of second homes and taxes on second-hand houses.
The down payment ratio adjustment includes:
The minimum down payment ratio is adjusted to not less than 40% for households who own 1 house and have not settled the purchase loan to buy a second suite.
Use the housing provident fund loan to purchase the first set of ordinary self-occupied housing, with a minimum down payment of 20%;
Families who own a house and have settled their loans apply for housing provident fund to buy a house again, with a minimum down payment of 30%.
In the adjustment of taxes and fees, the exemption period of ordinary housing business tax was shortened from 5 years to 2 years.
Ok, now you know why the second suite feels confused.
In different periods and after the New Deal, some houses have implemented the first suite policy in some aspects, but they still belong to the second suite in essence, and other aspects still implement the second suite policy.
Is it a little roundabout?
For example.
20 14 In September, for families with 1 apartment who have settled the corresponding housing loans, in order to improve their living conditions, they applied for loans again to buy ordinary commercial housing, and banking financial institutions implemented the first home loan policy.
From March 2065438 to March 2005, families who own a house and have settled their loans applied for housing provident fund again, with a minimum down payment of 30%.
However, in March 20 15, it was clearly stated that the first set of ordinary self-occupied houses should be purchased with housing provident fund loans, with a minimum down payment of 20%.
Is it stupid?
After all, the identification of the second suite affects the down payment ratio, loan ratio and taxes, and loans are divided into provident fund loans, commercial loans and portfolio loans, and different loan types have different policies. So you should simply ask what a second suite is, and getting multiple versions at once can't be said to be a wrong answer, which is understandable.
Of course, writing this article is not to let everyone turn around, but mainly to let everyone buy a house better. Next, let's talk about how to identify the second suite in Beijing.
First of all, you should know that non-Beijing residents can't buy a second suite.
Beijing has a strict purchase restriction. Needless to say, to talk about the second suite, we must first know who can buy it in Beijing.
Beijing's housing policy is divided into two categories: Beijing hukou and non-Beijing hukou. For Beijing residents, they can only buy two suites at most. Non-Beijing hukou, you can buy one set after paying taxes for five years.
Specifically, it is 1 housing (including families of active servicemen and armed police stationed in Beijing, families with valid work residence permits in Beijing) and non-resident families with valid temporary residence permits who have not owned housing in this city and have paid social insurance or personal income tax continuously in this city for more than 5 years (inclusive).
Therefore, only Beijing residents who already have a suite in Beijing are eligible to buy a second suite in Beijing. Of course, you said that I am a non-Beijing citizen, but I am qualified to buy a house. I also have a house in my hometown, so I can buy a house in Beijing. Sorry, you said your second house, not your second suite in Beijing!
So what are the conditions for Beijing citizens to calculate the second suite?
Simply understand, the "guide to buying a house" has arranged seven situations for you (too many to remember).
The first type: parents have a house, and then buy a house in the name of minor children.
According to the provisions of the new "National Ten Articles", family members include borrowers, spouses and minor children, that is, minor children are classified as families. Children's house purchase will also be implemented according to the second suite policy, that is, the down payment is 60%, and the interest rate 1. 1 times will rise.
The second category: minors have real estate under their names, and then borrow money to buy a house when they are adults.
In this case, if you refinance the house, it will also be recognized as a second suite. According to the current standard of bank loan recognition, if the existing property is not sold, the second suite will be purchased by refinancing, which will be implemented in accordance with the second suite policy.
The third category: individuals buy a house in full and then borrow money to buy a house.
Although there is no loan, as long as the property under the name can be found in the property rights trading system, it will be recognized as a second suite, and it will not be sold, and no loan will be applied, and the loan policy will be implemented according to the down payment of 60% and the interest rate of 1. 1 times.
The fourth category: personal loans to buy a house, and then use loans to buy a house after sale.
At present, the bank recognizes that the second suite is both a house and a loan. In other words, although this property has been sold, there is no house under the family name, but because of the loan record, the property purchased by the previous loan will be counted as the second suite when it is sold.
The fifth category: commercial loans for first-time house purchase and provident fund loans for second-time house purchase.
At present, the provident fund loan policy is also relatively strict. As long as the borrower has a loan record, whether it is settled or sold, even if it has never used provident fund loans, it is the first time to buy a second suite.
The sixth category: one party has a record of buying a house with a loan before marriage, and applies for a loan to buy a house in the name of the other party after marriage, but the accounts are not together.
After marriage, although the household registration did not fall together, it must have been registered in the Civil Affairs Bureau. When the bank approves the loan, it will require the borrower to provide proof of marital status or single certificate in addition to the household registration book. Therefore, when the other party buys a house again, it will still be considered as a second suite.
The seventh category: after marriage, both parties borrow money to buy a house, and after divorce, one party applies for a loan to buy a house.
As long as the loan record of the loan can be found in the central bank's credit information system, even if the property is awarded to another party after divorce, this party will be recognized as a second suite when buying a house with a loan.
(The above answers were published on 20 16-04-0 1. Please refer to the actual situation for the current purchase policy. )
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