Some people used their life savings to buy a house, while others bought two sets. Those with a better life can buy three sets. No matter how many houses we buy, the problem of loan is that everyone is not familiar with it. Of course, I want to know when I will buy a house. If you want to buy a third house, can you get a loan for the third house? How to identify the third suite?

Some people used their life savings to buy a house, while others bought two sets. Those with a better life can buy three sets. No matter how many houses we buy, the problem of loan is that everyone is not familiar with it. Of course, I want to know when I will buy a house. If you want to buy a third house and get a loan, you need to know the policy in advance. Then I'll tell you if you can borrow three houses. How to identify the third suite?

Can I get a loan to buy three houses?

The third house can generally be loaned, which is determined according to local policies and varies slightly from place to place. Individuals applying for a mortgage loan to buy a third suite require that the applicant has paid off the loans of the first two suites, has sufficient down payment and repayment ability, and has a good credit record.

How to identify the third suite?

1. There are two sets of commercial loan records in the personal name, one set has been paid off and sold, and the other set has not been paid off. In this case, if you refinance, it will be regarded as the third suite.

2. There are two sets of commercial loan records in the personal name, all of which have been paid off and sold. Although they can provide two sets of housing sales certificates and have no real estate under their own names, they are regarded as the third suite when they refinance.

3. A set of commercial loans under the personal name has been paid off, and another set of provident fund loans has also been paid off. The borrower wants to use the provident fund loan to buy another property, which is the third suite.

4. The first-home provident fund loan and the second-home commercial loan in the name of an individual, if the second-home loan is also prepared to use commercial loans, will be regarded as the third suite.

5. Couples, before marriage, one party uses a commercial loan to buy a house, and the other party uses a provident fund loan to buy a house. After marriage, I want to borrow money in the name of husband and wife, which is the third suite.

6. Husband and wife, one party has a house before marriage but has not sold it with a loan, the other party uses a commercial loan to buy a house for their parents, and then uses a provident fund loan to buy a house in the name of the party without a loan after marriage. According to the current provident fund loan policy, no matter whether the property under the individual's name has been sold or not, no matter whether the loan is paid off and sold, it is regarded as the third suite.

These are the three houses I introduced. Can I get a loan? How to identify the third suite? Third, we already know the real estate problem. If you want to buy three houses, you should first go to the relevant local departments to understand the policies, and then buy a house and choose a house. So it won't take us long. Because of some formalities, we will not extend the processing time.

The Policy of Purchasing the Third Suite in Chengdu

1. What is the policy of buying three suites in Chengdu hukou?

The loan policy for the third house in Chengdu is: for local residents in Chengdu, they can buy two suites (family as a unit) in the main city, and for non-local, they can only buy one suite in the main city of Chengdu. If there is a third suite, they can buy it in Chengdu (not the main city).

Second, the loan terms involve the policy of buying three suites in Chengdu hukou.

In order to cooperate with the relevant control measures in the Notice of the General Office of Chengdu Municipal People's Government on Perfecting the Housing Purchase Restriction Policy in Chengdu (Cheng Ban Fa (20 17) 10), after deliberation at the second working meeting of the core members of the self-discipline mechanism of market interest rate pricing in Sichuan Province, it is decided to adjust the minimum down payment ratio of commercial personal housing loans in Sichuan Province as follows:

1. Residents who buy ordinary self-occupied houses for the first time include Chengdu High-tech Zone (Xiyuan and Nanyuan), Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District, Pidu District, Tianfu New District, etc. 12 housing purchase restriction area.

2. Residents who own a house and the corresponding purchase restriction loan is not settled:

Among them, Chengdu High-tech Zone Xiyuan, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District, Pidu District and other 1 1 housing restricted areas, the minimum down payment ratio is not less than 60%, and the loan period is not more than 25 years;

The minimum down payment ratio of Chengdu High-tech South Zone and Tianfu New Zone is not less than 70%, and the longest loan period is not more than 25 years;

The minimum down payment ratio of other non-restricted areas in the province is not less than 40%.

3. Families with two or more houses, including Chengdu High-tech Zone (Xiyuan and Nanyuan), Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District, Pidu District, Tianfu New District, and other 12 housing restricted areas have two or more houses. In other non-restricted areas in the province, commercial personal housing loans are suspended for households with two or more sets and the corresponding housing loans are not settled.

4. This notice shall be implemented as of April 20 13 17. Before the date of issuance of this notice, if the borrower has completed online ordering and signing for the purchase of housing through the housing trading system, or if the banking institution has accepted the application for personal housing loan, its commercial personal housing loan business will still be implemented according to the original policy.

5. Matters not covered in this notice shall continue to be implemented according to the relevant provisions of the differentiated housing credit policy before this notice.

If you buy two suites in the main urban area of Chengdu, you can't buy a third suite, but you can buy one in the non-main urban area of Chengdu. According to the implementation of the real estate purchase restriction order, the policy of buying three suites in Chengdu hukou needs to understand the relevant loan regulations. At present, a number of banks have suspended commercial loans for three suites. If they want to buy three suites, they need to know the policies and regulations of local banks.

What is the down payment ratio of 20 17 Chengdu second suite? How to get a loan for the third suite?

The down payment ratio of the second home loan shall not be less than 50%, and the third home loan shall be suspended.

201April 17, the State Council issued the "Notice on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities" and put forward ten measures, which were called "Ten Articles of New China" by the industry and required by the "Ten Articles of New China":

1. The down payment ratio of the family loan for purchasing the first self-occupied house with a construction area of over 90 square meters shall not be less than 30%.

2. To purchase a second house with a loan, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.

3, commodity housing prices are too high, rising too fast, tight supply areas, commercial banks can be based on the risk situation, suspend the issuance of the purchase of third and above housing loans.

4. Non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more will be suspended from issuing house purchase loans. The local people's government can take temporary measures to limit the number of houses within a certain period of time according to the actual situation.

5. The Ministry of Finance and the State Administration of Taxation should speed up the research and formulation of tax policies to guide individuals' reasonable housing consumption and regulate personal property income.

6, affordable housing, shantytown renovation and small and medium-sized ordinary commodity housing land is not less than 70% of the total supply of housing construction land, and give priority to ensuring supply.

7, housing prices are too high, rising too fast, to greatly increase the supply of public rental housing, affordable housing and price-limited commodity housing.

8, pay close attention to the development of 20 10-20 12 affordable housing construction plan (including all kinds of shanty towns, policy housing construction), and announced to the whole society before the end of 20 10;

Extended data:

Second suite identification standard:

1, parents have a house, and then buy a house in the name of minor children. According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

2. When you are a minor, you have a real estate, and then you can borrow money to buy a house when you are an adult. According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for minors' real estate, applying for a mortgage is not a second set.

3. If there is a house purchased in full under the name of the individual, then the house can be purchased by loan. In the past, it only "recognized the loan", not counting the second suite, but now it has added "recognized the house". Although there is no loan, as long as you can find the property under your name in the housing property rights trading system, you don't have to sell it or apply for a loan, you will also be recognized as a second suite.

4. There is a loan to buy a house under the name of the individual, and then the loan is used to buy a house after the sale. At present, the bank's identification of the second suite is "recognizing the house and recognizing the loan". That is to say, although the property bought by the loan is sold, there is no house under the family name, but because of the previous loan record, applying for a mortgage will also be counted as the second suite.

5. Use commercial loans for the first purchase and provident fund loans for the second purchase. At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, even if the provident fund loan has never been used, the first application for provident fund loan is considered as a second suite.

6. Before marriage, one party borrowed money to buy a house, and after marriage, he applied for a loan to buy a house in the name of the other party, but their accounts were not together. After the marriage, although the registered accounts of both husband and wife did not fall together, they have registered their marriage with the Civil Affairs Bureau. Now, when issuing loans, banks will require borrowers to provide proof of marital status in addition to household registration books, while married couples can't provide proof of singles, so when buying a house again, they will count the other party as a second suite.

7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house.