After the shed is demolished, there is no subsidy for buying a second suite. The subsidy for buying a house is the first time that a shed-reformed household buys a house. If the expropriated person who is included in the renovation project of dilapidated houses in shanty towns (including non-suite areas) purchases houses within the administrative area of this Municipality as property rights exchange houses with monetary compensation funds within 24 months from the effective date of the expropriation compensation agreement, and goes through the transaction registration formalities, he will be given a house purchase subsidy according to the proportion of 10% of the assessed value of the expropriated house (if the actual house purchase funds are less than the assessed value of the expropriated house, the amount of the house purchase funds recorded in the deed tax certificate shall prevail).

What are the rules for buying a second suite?

1, the low down payment ratio for purchasing the second suite is adjusted to not less than 40%. The People's Bank of China, the Ministry of Housing and Urban-Rural Development, and the China Banking Regulatory Commission issued a notice on reducing the down payment ratio of personal provident fund to purchase a second home loan.

2. For the paid workers' families who own the first set of housing and have settled the corresponding housing loan, in order to improve their living conditions, they apply for a housing provident fund entrusted loan to buy a second set of ordinary self-occupied housing, and the low down payment ratio of the second set of housing loans is 30%.

3. The down payment ratio of the second home loan is reduced to 40%. For households that already own a house and the corresponding housing loan has not been settled, in order to improve their living conditions, they will apply for a commercial personal housing loan again to buy a second ordinary commercial house, and the low down payment ratio of the second home loan will be adjusted to not less than 40%.

4. Before adjustment: the down payment ratio for buying a second suite is 60%, and that for the north, Guangzhou and Shenzhen is 70%. Prior to this, the down payment ratio of the second suite was 60%, and that of the north, Guangzhou and Shenzhen was 70%.

5. Previously, the second-home housing provident fund loan policy: if the second-home ordinary self-occupied housing loan is less than 90 square meters, the second-home low down payment ratio is 20%; If the area of the second suite is more than 90 square meters, the low down payment ratio of the second suite loan is 30%.

How to identify the second suite?

1. The family of the second-home lender (including the borrower, spouse and minor children) determines the number of mortgage loans.

2. For families who have used bank loans to buy second homes, if the per capita housing area is lower than the local average level, they can apply for housing loans from local commercial banks again, which can be implemented with reference to the second home loan policy. However, the second home lender should provide the query results of the total area of family housing issued by the local real estate management department based on the second home registration information system.

3. If a family that has used the housing provident fund loan to purchase a second home applies for a second home loan from a commercial bank again, it shall be implemented in accordance with the provisions of the preceding paragraph.

4. Commercial banks should earnestly fulfill their obligation to inform and require lenders to submit real proof materials such as real estate, income, household registration and tax payment according to the principle of good faith. Where it is found that false information or false certificates are provided, commercial banks shall not accept their second-home loan applications.