According to the relevant provisions of Hefei's purchase restriction policy, buyers who already have a house in the urban area want to borrow money to buy a second suite in the urban area. If there is no loan under the name of the purchaser or the loan has been paid off, the down payment ratio is 40%; If the loan in the name of the buyer is not paid off, the down payment ratio for purchasing the second suite is 50%; If the buyer has more than two mortgage records, the down payment ratio when buying a house again is 60%.

Now that people's economy is getting better, they pay more attention to the comfort of living and want to improve their living environment to improve their quality of life. But when buying a second house, because of the pressure of the first house, they basically choose to borrow money to buy a second house.

Hefei second suite identification standard

1. Parents already have a house and want to buy another house in the name of minor children. According to relevant policies, if a minor has a house in his name, he will borrow money to buy a house when he grows up, which will be implemented according to the second suite policy; If a person has a house bought in full under his name and then borrows money to buy a house, it is also recognized as a second suite, and he will not sell it or apply for a loan.

2. If there is a house under the name of an individual, although the loan is purchased again after settlement, it is also recognized as a second suite; If you buy a house again and use a provident fund loan, whether the mortgage is settled or not, whether the property is sold or not, even if you have never used a provident fund loan, the first application for a provident fund loan is considered as a second suite.

3. If you buy a house before marriage and apply for a house loan as the other party after marriage, but the accounts of the two people are not together, the bank will require the borrower to provide proof of marital status in addition to the account book when approving the loan, and the married couple can't provide proof of singles, then the other party will be counted as the second suite when buying a house again.