Before the Spring Festival, the central bank once again issued a new mortgage policy: in cities that do not implement purchase restriction measures, households purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places. In other words, the minimum down payment ratio of the first suite has dropped to 20%! However, what is the current standard for determining the first suite?
1. If the loan has been used to buy a suite, but the loan has been settled, the second loan to buy a house shall be implemented according to the first home loan policy;
I bought a suite with a loan, and now I have sold the house. If I can't find the relevant information in the housing registration system, the second loan to buy a house is also the first set;
3. I bought a suite in full, and then I bought a house with a loan, which is the first set;
4. If you buy a suite in full and sell it now, and the housing registration system can't find the relevant information, then the loan to buy a house is the first set;
5. If you have bought a suite by loan, and the loan has been settled and the house has been sold, if you can provide proof of sale, then buying a house by loan is also the first set.
6. One commercial loan has been paid off, and the other is the provident fund loan has been sold. At the same time, you can provide proof of house sale and apply for a commercial loan to buy a house-the first set.
7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan 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. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. After marriage, he buys a house and applies for a loan-the first set is counted.
Finally, remind everyone that borrowers should know more about specific policies before lending, so as to avoid hitting a wall when lending.
How to distinguish the first suite from the second suite
Logo of the second suite:
First, I bought a suite with a loan, and then I bought a house with a loan after the commercial loan was settled-the first set. If the loan is not settled-two sets.
Two, there are two sets of commercial loan records in the name of the individual, 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.
Three, one of the husband and wife to buy a house before marriage to use commercial loans, the other party to buy a house before marriage to use provident fund loans, after marriage, the two want to use loans 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 is not paid off-it is more than two suites.
Fourth, I bought a suite in full and bought a house with a loan-the first set.
5. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house-the first set.
Six, the local housing registration system does not have the query conditions, the bank due diligence to verify that the buyer has a house, and then loan to buy a house-the first set.
Seven, there are two sets of commercial loan records in the name of the individual, 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 re-lending, the first set.
Eight, a suite of commercial loans have been paid off, and another set of provident fund loans have also been paid off. Apply for a commercial loan before buying a house-the first set.
Nine, 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 and applies for a loan after marriage-the first set is counted.
10. I bought more than two houses with a loan 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.
How to define the first suite and the second suite
The first set of defined criteria is whether the husband and wife have real estate under their names. Since it can be transferred to a son, even two families can transfer it after 18 years old.
How to identify the first suite
Buying a house in full and then borrowing to buy a house: Ms. Ding has a house under her name, which was bought in full before. Because her parents are old in their hometown, they want to buy another suite to take care of the elderly in the current community. Analysis: Although Ms. Ding has never made a loan, as long as she can find a property under Ms. Ding's name in the property rights trading system, she will be identified as a second suite, and there is no need to sell it or apply for a loan.
Buy a house with a loan, sell it and buy it again: Mr. E bought a house with a loan in 2000. Now considering the children's schooling, he wants to sell the house and buy another suite near the children's school. Analysis: At present, the bank's recognition of the second suite is "recognizing the house and recognizing the loan", that is to say, although Mr. E has no house under his family name after selling the property, the property purchased with the previous loan will be counted as the second suite after selling because of the previous loan record. Buying a house with a commercial loan before using the provident fund: Ms. Fan used a commercial loan when she bought a house with a loan for the first time. Later, the unit paid the provident fund for it, and she wanted to sell her present house and buy another suite with the provident fund loan. Analysis: Currently
Provident fund loan policy
It is also strict. As long as the borrower has a loan record, whether it is settled or sold, even if it has never used provident fund loans, it is the first time to buy a second suite. Therefore, if Ms. Fan uses the provident fund to buy a house again, the down payment ratio is also 50%. One party bought a house after having a house before marriage: Mr. Guan bought a suite with a loan before marriage, and now he has been married to Miss Han for many years and wants to buy a house with a loan in the name of Miss Han. Analysis: Although the household registration did not fall together after marriage, both husband and wife must have registered with the Civil Affairs Bureau. When the bank approves the loan, it will require the borrower to provide proof of marital status in addition to the household registration book, while the married couple cannot provide proof of single status, so when buying a house again, the other party will be counted as a second suite. Husband and wife divorced to buy a house: after Mr. Ai and Miss Jane got married, they applied for a loan to buy a house. After their divorce, the property was awarded to Miss Jane, and Mr. Ai wanted to apply for a loan from the bank to buy a house. Analysis: If Mr. Ai applies for a loan from the bank, it will be counted as a second suite. 1
Definition standard of the first suite
The Real Estate Bureau implements the individual purchase standard, and the New Real Estate Policy of the Ministry of Finance stipulates that the deed tax rate will be temporarily adjusted to 1% for ordinary houses with an area of 90 square meters or less signed on or after June12008. One of the three preconditions of this deed tax concession is that the commercial house that enjoys the concession must be the owner's first home. Defining the first set of housing, the real estate bureau and the Finance Bureau gave the answer. Inquire about the first purchase information, based on the buyer in the purchase contract. When accepting an individual's first-time purchase information inquiry, it is necessary to review the identity certificate of the inquirer, the pre-sale contract of commercial housing or the sale contract of stock housing (if I can't inquire in person, the trustee shall submit the original ID card of myself and the original ID card of the client). Based on the definition standard of property right information system, it is stipulated that in the property right registration information database, there is no property right registration record, or there is property right registration, but the source of property right is self-built, inheritance, gift, housing reform, affordable housing, demolition and resettlement housing, all of which belong to the first purchase, and the property right market department of the real estate bureau will issue the first purchase certificate. The standard also stipulates that the area for inquiring about individual purchase information is limited to the area registered by the institution that issued the first purchase certificate.
How to identify the deed tax preference of the first suite
Buying a house again counts as a second suite.
Because you already have your name on the property ownership certificate, you can find that the property is registered in your name. Although it is not a complete set, it is with parents, but it is also an existing property.
How do banks identify the first suite and the second suite?
"Second Suite": the abbreviation of the second set of ordinary self-occupied housing 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. First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children); Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level; Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.
The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated as the second home loan.
When buying a house, there is a standard answer to how to distinguish the first suite from the second suite.
Whether the purchase contract is signed or not shall prevail. This purchase refers to the online signing contract. Now all commercial houses have to sign contracts twice. First sign the online contract on the website of the local real estate bureau, then print it out and sign it by hand. The real estate company will build the official seal, so the online signing is over, the house is already in your name, and then you buy two sets, regardless of whether the house is delivered or not, and whether there is a real estate license.
How to define the first suite?
The first suite is identified as a family unit, and the first suite is identified as a family without a room under the family name. When buying a house, you need to provide proof of no room to enjoy the relevant benefits.
When paying the deed tax, the standard for determining the first suite of the house is 5 points.
Pay deed tax according to the second suite.
Think whether the second suite is recognized internally is to recognize the house and loan, taking your family as the unit. Family refers to yourself, your spouse, your minor children and three parties.
There is a house in the man's name, and the real estate license is handled in your name. There are two sets! On the premise that you two got a marriage certificate.