Legal analysis: as long as the real estate registration is carried out, buying a house after marriage belongs to the second suite, which is more than 22 square meters. If it meets the conditions of purchasing a house according to the first suite and needs to borrow again, it shall be implemented according to the standard of the second suite. At present, all banks not only look at the house under the name of the loan applicant, but also look at the loan record. Even if there is no house under the lender's name, or if you sell the house and apply for a mortgage again, it will be recognized as a second suite. Not checking is also verifying the property, and only implementing the standards of the house.

Legal basis: The Civil Code of People's Republic of China (PRC) was revised, transferred and abolished for the second time, and it came into effect after being registered according to law; Non-registration does not take effect, but the ownership of natural resources owned by the state may not be registered.

Second, is buying a house before marriage a second suite?

1. Where is the house you bought before? If you are in Shanghai, the house you buy after marriage is not a second suite as long as it has no registered name. If you and your wife do, it's the second suite.

2. At present, according to the policy, the down payment may be increased to 70%, but it has not been implemented.

From April 6, 3.20 1 1, the interest rate of individual housing provident fund loans will be raised. The interest rate of individual housing provident fund loans for more than five years was raised by 0.20 percentage points, from 4.50% to 4.70%; The interest rate of individual housing provident fund loans for a period of less than five years (including five years) was raised by 0.20 percentage points, from 4.00% to 4.20%. According to Article 5 of our country, it may be beneficial to buy an auction house or a new house, and the down payment ratio and loan interest rate of second-hand houses have been greatly improved. For details, you can look at the relevant policies on the Internet, which have been posted for too long. . . Considering that the demand for buying a house is for self-occupation after marriage, you should consider the geographical convenience of second-hand houses, supporting facilities and the education of future children. It's not too late to catch the last bus.

Third, buy a house with a loan before marriage and then buy a second suite after marriage?

Pre-marital provident fund loans, whether to buy a second suite after marriage, should be subject to local mortgage regulations.

Different regions have different recognition of the second suite. Please refer to local regulations for details.

If it is identified as a second suite, then the down payment ratio and mortgage interest rate will rise after marriage.

Not counting the second suite, you can apply for a mortgage according to the first suite.

Buy a house with a provident fund loan before marriage, and buy a house with a family loan after marriage. Since there is a suite under the name of the pre-marital spouse, whether the loan to buy a house is recognized as a second suite at this time should be subject to the final recognition result.

In most cases, as long as one of the husband and wife has a property under his name and then borrows money to buy a second suite, it will generally be recognized as a second suite.

The appraisal of the second suite is strict, so please don't take advantage of it.

As for the divorce between the two parties, there is no real estate under one party's name, so the loan to buy a house belongs to the first home loan.

The party with real estate under its name, buying a house by loan after divorce belongs to the second home loan.

In order to maintain a good credit record, we should also pay attention to our online loan big data in time. You can click on the query in "Xiaoqi Credit Information" to view our own online loan big data report and keep good credit at all times.

Extended data:

Is the pre-marital provident fund loan included in the loan amount?

Generally speaking, both husband and wife, whether before or after marriage, local loans or loans from different places, are included in the number of provident fund loans.

The reason is.

Provident fund loans are made on a family basis, and a borrower's family can only own housing with provident fund loans twice at most.

1. If both husband and wife apply for a set of housing provident fund loans before marriage and another set of housing provident fund loans after marriage, then there will be three sets of housing provident fund loans under the family name, which is not allowed.

2. If pre-marital provident fund loans are not included in the loan frequency, then a person who divorces after marriage and marries after divorce cannot limit the number of loans, so pre-marital provident fund loans should be included in the loan frequency.

My husband has a loan house before marriage, and we are buying a house after marriage. Are there two sets?

This is the second suite.