The difference between the first home loan and the second home loan: the down payment ratio of the first home is low; The loan interest rate is different, and the loan interest rate of the first suite is lower than that of the second suite; The loan amount is different, and the loan amount of the first suite is higher than that of the second suite; The loan difficulty is different, and the loan difficulty of the first suite is lower than that of the second suite.

There are many differences between the first home loan and the second home loan, but for users, when they can't buy a house in full, they can only choose to borrow money to buy a house, so even if the second home loan is difficult, some users still choose to apply.

What's the difference between the first home loan and the second home loan? What's the identification standard?

People who want to buy a house will always pay attention to real estate news, and words such as the first suite and the second suite will always be seen in the news. Faced with these words, many property buyers know almost nothing. I don't know whether I want to buy a house. Should I be the first or second suite? Today, Bian Xiao will share with you the criteria for determining the first suite and the second suite.

Criteria for determining the unlimited purchase of the first suite in the city

1. I bought a suite with a loan, but I have paid off the loan. The down payment ratio of refinancing interest rate.

8. One spouse has a house before marriage, but there is no loan record. The other spouse has a loan record before marriage, but there is no real estate under his name. Buying a house and applying for a loan after marriage is the first set.

Identification standard of unlimited purchase of two suites in cities

1. I bought a suite with a loan, but the loan has been settled, so buying a house with a loan is the first set; If the loan is not settled, two sets will be calculated.

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 time, the refinancing was identified as more than two suites.

3. 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, the two want to borrow money together in the name of husband and wife. If the loan has been paid off, bank 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 is not paid off, it will be considered as more than two suites.

4. Two people who are ready to get married but haven't got a marriage certificate, one of whom has outstanding property and mortgage. The other party does not have any property or mortgage records. Now they have bought a new house together and registered their names. People without loan records apply for loans. Because both of them are property owners, buying a house from a bank mortgage loan is two sets.

The difference between the first suite and the second suite

1, the difference between the down payment ratio of the first suite and the second suite.

In some cities with restricted purchases and loans, the down payment ratio of commercial loans is 20% for the first suite and 30% for the second suite.

2. The difference of interest rates between the first and second home loans.

Now mortgage interest rates are rising all over the country. Many people find that the interest rate of the second suite is definitely higher than that of the first suite, so the loan interest rates of the first suite and second-hand houses in different banks and cities are different.

Now the house price is different every day, and the mortgage interest rate is gradually rising. The loan interest rate and down payment ratio of the first suite and the second suite are also different. When buying a house again, the buyer must find out the number of houses. Only in this way can they clearly implement the purchase budget and will not spend more money.

Is it better to buy a second suite with full payment or mortgage? Is it worth it?

Full payment is definitely much better. Because it has been paid in full. At least, developers won't take advantage of you too much. Take advantage of you less. If it's a mortgage. Then you need to pay more. What's the price? The two houses have to pay at least a little more. 200,000 to 300,000 developers. So I suggest you pay the full amount. Let developers earn less.

Let's talk about the difference between the full amount of the second suite and the loan.