First suite identification standard
(1) Loan to buy a suite, commercial loan has been settled, and then loan to buy a house-the first set.
(2) I bought a suite with a loan and later sold it. 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) I have bought a suite in full and then borrowed money to buy a house-the first set.
(4) I bought a suite in full and later sold it. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.
(5) There are two commercial loan records in the name of the individual, all 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 will count.
(6) One commercial loan has been paid off and the other provident fund loan has been sold. At the same time, you can provide proof of house sale and apply for a commercial loan before buying a house-the first set.
(7) One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans to buy a house before marriage. 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.
(8) Two couples, one of whom has a house before marriage but no loan record, and the other has a loan record before marriage but no real estate under his name, buy a house and apply for a loan after marriage-the first set counts.
Identification standard of second suite
1, the loan has already bought a suite, the commercial loan has been settled, and then the loan is used to buy a house-the first set; If the loan is not settled-two sets.
2. 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 point, the refinancing was identified as more than two suites.
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, it is more than two suites.
Two people are getting married, but they haven't got a marriage certificate yet. One party has outstanding property and mortgage, while the other party has no property and mortgage records. Now buy a new house together, register your name, and apply for a loan without a loan record. Because it is a property owner, buying a house from a bank mortgage loan is two sets. (Reference:
Housing Authority Regulation)