Many friends regard the purchase of real estate as an investment, which makes many friends consider buying a second house when they have spare money. So what is the operating information of the second suite? Today, Bian Xiao gives you an example about the second set of housing loan conditions. In addition, there are standards for banks to identify second homes. From this, we can know that there are many differences between buying the first house and buying the second suite. There are many considerations when buying a second apartment. To combine the actual or local description to analyze, try to reduce unnecessary expenses or formalities.
Loan conditions for the first and second homes
1. The borrower has full capacity for civil conduct.
2. Have a valid identity card of this Municipality or a formal urban hukou of this Municipality.
3 have a stable income, good credit and the ability to repay principal and interest.
4. Before the loan, it is necessary to deposit the housing provident fund normally for more than half a year.
5. Provide a valid purchase contract or agreement.
6. The borrower must be the purchaser in the contract, and the purchaser (except the spouse) must issue a written commitment to agree to the mortgage of the house;
7. There are sufficient funds, not less than 30% of its own funds are used to buy self-occupied housing, and more than 40% are used for second-hand housing.
8. Allow borrowers to handle insurance and housing mortgage loans.
9. The borrower opens a personal account in the bank, allowing the bank to directly withdraw the loan principal and interest from the account every month.
Second, how does the bank identify the second suite?
1. When parents already own a house, but they buy a house again in the name of minor children, the second suite policy will apply.
When I was a minor, I already had a house in my name. When I borrowed money to buy a house again as an adult, I followed the second suite policy.
3. There is a house purchased in full under the name of the individual. When buying a house with a second loan, as long as you can find a house under your name, you will be identified as a second suite if you don't sell it.
4. The house that once had a loan under the personal name has been settled and the property has been sold. At this time, there is no house under the name, but it will be counted as a second suite when applying for a mortgage.
5. The first commercial loan for buying a house, whether the mortgage is settled or not, and whether the house is sold, is also considered as a second suite as long as the provident fund loan is applied.
6. When one party uses a loan to buy a house before marriage and applies for a loan to buy a house in the name of the other party after marriage, even if the accounts of the two people are not together, when buying a house again, the other party counts as a second suite.
7. After marriage, both husband and wife borrow money to buy a house, and when one party applies for a loan to buy a house again after divorce, it is also recognized as a second suite. This can prevent some property buyers from using "fake divorce" to escape the second suite policy.
For friends who are interested in buying a second house but can't pay in full, it is necessary for us to know about the loan conditions or regulations and standards. However, through the interpretation of the policy, we can know that, generally speaking, the loan conditions of the second house are harsh, which is different from the first house and needs to be determined in combination with the specific conditions of the bank. So what I said above is the information about the loan conditions of the second house. In addition, there is an example of the bank's identification standard for the second suite, which can help friends who are interested in buying related real estate to determine a suitable and reasonable plan according to their own situation and reduce unnecessary expenses or formalities.
Tubatu Online provides you with "every decoration quotation, 1-4 local decoration companies, 3 sets of decoration design schemes" and the decoration pit avoidance strategy for free! Click this link:; Wb, you can get it for free ~
What are the criteria for determining the second suite? What is the second suite?
Identification criteria for second-home loans: The number of residential units in commercial personal housing loans is determined according to the number of complete housing units actually owned by family members (including borrowers, spouses and minor children) to be purchased. 20 13,13 At the beginning of June, the second home loan recognition standard was "fine-tuned", and some large state-owned banks relaxed the second home loan recognition from "recognizing the house and accepting the loan" to "recognizing the house and not accepting the loan" to avoid causing some customers who are ready to replace their own houses to "hit a wall" when applying for loans. 2065438+On September 30, 2004, the Notice of the CBRC of the People's Bank of China on Further Improving Housing Financial Services jointly issued by the Central Bank and the China Banking Regulatory Commission announced that if financial institutions settle their housing loans for families with/kloc-0 apartments and apply for loans to buy houses again, the first suite policy will be implemented. The mortgage policy requires a minimum down payment of 60% for the second home loan, and the minimum loan interest rate will rise 10%. The standard for the identification of the second suite-recognizing the house and recognizing the loan, that is, there is a mortgage record. No matter whether there is a house under the name now, applying for a mortgage is also a second home loan; If you currently own a suite, whether you have a mortgage or not, the newly applied mortgage is regarded as a second suite. The second set of housing is based on the number of housing units and the family (the borrower himself, spouse and minor children). At the same time, consumers who own their own houses and improve their houses can enjoy a series of financial benefits of the first home loan as long as they can provide relevant materials to prove when buying new houses after selling their existing houses.
Pay special attention (at present, more than 80% banks only look at whether the loan customer has had a housing loan before to see if it is a second suite. Basically, as long as there has been a loan before, it will be recognized as a second suite now. )
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
What are the criteria for determining the second home loan?
With the development of the second child, many people are no longer satisfied with one set of housing and begin to consider buying a second suite. However, I believe everyone knows the current house price. For most people, it is difficult to buy a suite, let alone a second suite. So many people want to buy a second suite through loans. What are the criteria for determining the second home loan? Let's have a look.
What are the criteria for determining the second home loan?
I believe many people are not very clear about the identification of the second home loan. Refers to the borrower's purchase of houses other than the first house he lives in by means of loan, mainly taking the loan family as the unit, and the per capita housing area of the lender's family is higher than the local average level, and then applying for a house purchase loan from a commercial bank.
What are the second home loan policies?
In order to avoid the situation that individuals own more than one house, there are many conditions for the loan of the second house, especially in the down payment, the proportion should not be lower than 70%, and the interest rate of the second house loan should not be lower than 1. 1 times of the benchmark interest rate. Branches of major banks may, according to the price control targets and policy requirements of the local people's government for the new second home, increase the down payment ratio and interest rate of the second home loan on the basis of the unified national credit policy.
What is the standard for the second suite?
1. I bought a suite through a loan, and the money has been settled, which is the first set, and the loan has not been settled, which is the second set.
2. Two married people, one chooses the way of commercial loan before marriage, and the other chooses the way of provident fund before marriage. After marriage, the two should borrow money 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 the specific factors such as the lender's solvency and credit status. If the loan has not been paid off, it will be considered as the second suite.
3. Buy a house in full, and then borrow money to buy a house.
4. I bought a house in full and sold it later. The house registration system can't find this property. It is also the first set of loans to buy a house.
5. There are two sets of commercial loan records in the personal name, but they have all been paid off and sold. In addition, they can provide proof of the sale of two houses. In this case, the first set will be considered when refinancing.
Summary: Well, the second home loan certification standard has been introduced. I hope I can give you some help. I believe that in the process of identifying the second home loan, friends will feel more at ease and get their own satisfactory answers.