Second suite identification standard:

1, bought a suite in full, and borrowed money to buy a house-the first set;

2. I bought more than two houses with loans and later sold them. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system, and then borrow money to buy a house-the first set;

3. Husband and wife, one party buys a house before marriage and uses a commercial loan, while the other party buys a house before marriage and uses a provident fund loan. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status; If the loan has not been paid off-more than two suites;

4. Loan to buy a suite, commercial loan has been settled, and then loan to buy a house-the first set. If the loan is not settled-two sets;

5. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I borrowed money to buy a house-the first set;

6. If the local area does not have the query conditions of the housing registration system for the time being, the bank will conduct due diligence to verify that the purchaser has a house, and then buy a house with a loan-the first set is counted;

7. There are two sets of commercial loan records in the individual's name, both of which have been paid off and sold, and two sets of housing sales certificates can be provided at the same time. In this case, when refinancing, the first set of calculations;

8. A commercial loan for one suite under the personal name has been paid off, and another provident fund loan has also been paid off. Apply for a commercial loan and then buy a house-the first set;

9. Husband and wife, one party has a house before marriage but no loan record, the other party has a loan record before marriage but no real estate under its name, and buys a house to apply for a loan after marriage-the first set;

10. There are commercial loan records of two suites in the personal name, one set has been paid off and the other set has not been paid off. At this time, the refinancing was identified as more than two suites.

For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.

The second set of housing loan fees

1, down payment

According to the regulations of the bank, the borrower must pay a down payment of not less than 60% of the purchased house price when applying for a second home loan, and some areas require that the down payment ratio of the second home loan be not less than 70%.

Step 2: Interest

The interest on the second home loan is calculated according to the borrower's loan amount, loan term, loan interest rate and repayment method. Among them, the loan interest rate directly affects the amount of mortgage interest expenditure.

3. Mortgage registration fee

Customers applying for a second home loan must agree to mortgage the house purchased in their name. When going through the mortgage registration formalities, the borrower needs to pay a certain mortgage registration fee.

4. Notary fees

When you apply for a second home loan, you still need to pay the notarization fee. When applying for a bank housing loan, the bank will entrust a notary department to certify the borrower's qualifications, and the borrower needs to pay a notary fee.