If you buy a suite but the loan has been paid off. The bank loan interest rate for re-purchasing houses is implemented according to the first suite.

The loan interest rate is implemented according to the first suite under the following circumstances:

1: I bought a suite with a loan but the loan has been paid off.

2. Loan to buy a house, and then sell it, the house registration system can't find the name of the house, and the credit information system can query the loan record.

3: The first suite is paid in full, and there is no loan.

4: 2 suites under personal name have all been paid off and sold (proof of sale is required).

5: A commercial loan for one suite under the personal name has been paid off, and another provident fund loan has been sold (proof of housing sale is required).

6. Husband and wife: one party has a house without a loan before marriage, and the other party has a house without a loan before marriage, and buys a house with a loan after marriage.

7. Pure provident fund loan (if a property buyer applies for a pure provident fund loan, the first suite shall be determined based on the borrower's family name without complete housing registration)

In other words, as long as there is no room in the current name and the previously applied provident fund loan has been paid off, then no matter how many times the provident fund loan has been applied before, if you buy a house again, the interest rate of the first suite can still be implemented.

legal ground

The tax rate of article 3 of the deed tax law is 3% to 5%.

The specific applicable tax rate of deed tax shall be proposed by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government within the tax rate range specified in the preceding paragraph, submitted to the Standing Committee of the people's congress at the same level for decision, and reported to the NPC Standing Committee and the State Council for the record.

Provinces, autonomous regions and municipalities directly under the Central Government may, in accordance with the procedures prescribed in the preceding paragraph, determine different tax rates for the transfer of ownership of different subjects, different regions and different types of houses.

Is it the first set to buy a house after the mortgage is paid off?

Buying a house after paying off the mortgage is not the first set. The so-called "first suite" must meet three conditions at the same time: the buyer 18 years old; The house you bought is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%); There is no house purchased alone or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded. According to Article 574 of the Civil Code: "If the loan period is less than one year, it shall be paid off when the loan is returned; If the loan term is more than one year, it shall be paid at the end of each year; If the remaining term is less than one year, it shall be paid off when the loan is returned. "

Settle the original mortgage, is it the first mortgage or the second mortgage when buying a house?

Whether buying a house after paying off the mortgage is the first set or the second set depends on local regulations. Generally, there are three kinds of policies: loan-denying and housing-denying.

1. If the loan is rejected, it will not be decided by the number of houses owned by the family. As long as the second-home buyers pay off the first loan, the second loan will be determined according to the first suite.

2. If the house is not recognized as a loan, as long as the buyer proves that there is no house under his name, whether there is a housing loan record or not, it can be recognized according to the first suite. Similarly, if there is already a suite under the name of the property buyer, whether the suite is purchased in full or by loan, whether the loan has been paid off, and then buying a house depends on the second suite.

3. If the loan is also recognized, it depends on both the number of houses owned by the family and the housing loan records under the names of family members. As long as the customer has a suite or housing loan record, buying a house again is considered as a second suite.

It should be noted that most cities "recognize loans but not houses" or "recognize loans and recognize houses". The number of housing units can be inquired and identified through the credit information system of China People's Bank and the housing provident fund management system.

Extended data:

What is the difference between the first suite and the second suite?

1, poor down payment ratio

In some cities with restricted purchases and loans, the down payment ratio of commercial loans is 30% for the first suite and 50% for the second suite.

2. Differences in loan interest rates

Now mortgage interest rates are rising all over the country. Many people find that the interest rate of the second suite is definitely higher than that of the first suite, so the loan interest rates of different banks, different cities, first suite and second-hand housing are different.