On September 30th, 20 14, the Notice of the China Banking Regulatory Commission of the People's Bank of China on Further Improving Housing Financial Services jointly issued by the Central Bank and the China Banking Regulatory Commission announced that financial institutions would implement the first-suite policy if families with 1 apartment settled their housing loans and applied for loans to buy houses again.
This is also referred to as "recognizing loans but not housing", so how to identify the second suite?
1. Loan to buy a suite, and then loan to buy a house after the commercial loan is settled-the first set-if the loan is not settled-the second set.
2. There is a commercial loan record of two suites under one's name. One set has been paid off and the other set has not been paid off. At this time, the loan is identified as more than two suites.
3. One spouse buys a house before marriage and uses a commercial loan. The other spouse bought a house with a provident fund loan before marriage. After marriage, they want to borrow money together 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, it is more than two suites.
2065438+2005 Latest Down Payment Ratio of Second Suite
2065438+On March 30, 2005, the People's Bank of China, the Ministry of Housing and Urban-Rural Development, and the China Banking Regulatory Commission jointly issued the Notice on Issues Related to the Individual Housing Loan Policy, announcing that the minimum down payment ratio should be adjusted to not less than 40% for households who own/kloc-0 apartments and the corresponding housing loans are not settled. Previously, the second home loan implemented the policy of "the down payment ratio is not less than 60% and the loan interest rate is not less than 1. 1 times of the benchmark interest rate".
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%.
3.30 Ten minutes after the announcement of the New Deal, the Ministry of Finance and State Taxation Administration of The People's Republic of China jointly released a message saying that from March 3 1 day, the business tax exemption period for individual housing transfer will be reduced from more than 5 years (including 5 years) to more than 2 years (including 2 years).
The first set of interest rates for the second suite of the New Deal, which refused to lend, was lowered, which stimulated the purchase demand of a large number of improved buyers. As an improved house, there are naturally higher requirements for huxing area, garden environment and surrounding facilities. Since the property market is constantly improving, it is time to make a decisive move.
Panyu has developed for more than ten years, and now it is very prosperous. For property buyers, Panyu's biggest advantage is that it is cheaper than the urban area, but the supporting facilities are much more mature than the newly developed areas. As the best-selling property in Panyu, Vanke Opal can't be let go.
At present, the main project is Building A 12, with 2 stairs and 6 households, 94-95 square meters of three bedrooms and two bathrooms, with an average price of18,000 yuan/flat; Property C3 is for sale, with 3 households on 3 floors, with an area of 187 flat, and a four-bedroom apartment with a flat price of10/9000-22000 yuan/flat; Building C 1, 142 four-bedroom unit, the price is 22,000 yuan/flat. The design of these two apartment types is a good choice for buyers who want to change small rooms into large rooms (above 90 square meters) or large rooms into luxury rooms (above 180 square meters).