In the era of high housing prices, many people buy houses with loans. In order to curb commercial housing speculation, the state has introduced a second-home loan policy. So, what are the criteria for determining the second suite? What are the loan policies for the second suite? Just look down.

What are the criteria for determining the first suite and the second suite?

"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks.

The number of residential units in commercial personal housing loans should be determined according to the number of complete sets of housing units actually owned by family members (including borrowers, spouses and minor children, the same below) who intend to purchase houses. Upon the application or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results. If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.

What are the criteria for determining the second suite? How to determine the second suite? According to the provisions of the Notice on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans, the following situations belong to the second suite:

1. The borrower applies for using a loan to purchase a house for the first time, and his family has registered one or more complete houses in the house registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased;

2. The borrower has used the loan to purchase more than 1 house (inclusive) and applied for the loan to purchase the house;

3. The lender is convinced that the borrower's family already owns a house (or more) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).

In practice, the following seven situations will be identified as the second suite:

1. If parents have a house, buy another house in the name of minor children;

2. Have a property under the name of a minor, and then borrow money to buy a house after adulthood;

3. If there is a house purchased in full under the name of the individual, then borrow money to buy a house;

4. There is a loan to buy a house under the name of the individual, and then the loan is purchased after the sale;

5. Use commercial loans for the first purchase and provident fund loans for the second purchase;

6. One party borrows money to buy a house before marriage, and applies for a loan to buy a house in the name of the other party after marriage, but the two accounts are not together;

7. After marriage, both parties jointly borrow money to buy a house, and after divorce, one party applies for a loan to buy a house.

What are the loan policies for the second suite and the second suite?

If a second suite is formed, the lender will implement a second (or more) differentiated housing credit policy for the borrower. Specifically, the second-home loan policy is: the down payment ratio for families who purchase second-home loans is not less than 60%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate. Branches of the People's Bank of China may, according to the new housing price control targets and policy requirements of the local people's government and on the basis of the unified national credit policy, increase the down payment ratio and interest rate of the second set of housing loans. Strengthen the supervision and inspection of commercial banks' implementation of differentiated housing credit policies, and deal with violations seriously.