I have a house with small property rights, and I want to buy a commercial house again. Will the loan be considered as the first house? I had a house with small property rights before, and will the suite be considered as the first house?

Generally Generally speaking, "small property rights houses" are houses built on collective land, and according to current policies, governments generally do not support them, and only township-level governments and village governments can issue property rights certificates for such houses. Grade-level ability is awarded, so it is called "rural property housing", also called "small property housing". The so-called small property rights issued by the township *** actually have no real property rights. This kind of house does not have a land use certificate and a pre-sale license issued by the state, and the purchase contract will not be recorded by the Land and Housing Administration. The so-called property rights certificate is not a truly legal and valid property rights certificate. From the price point of view, rural property rights houses are cheaper than ordinary commercial houses, and the price is only 40 to 60 yuan of the price of commercial houses in the same location; from the housing form point of view, they are all ordinary residences; from the construction procedures point of view, they belong to the reconstruction of old villages or the construction of new villages, and there is no urban area There is no supervision and inspection on the approval and management of the planning and construction committee management departments, and there is no supervision and inspection during the construction process. Houses with small property rights occupy collective land. According to my country's current laws, this type of land can only be used for agricultural production or as farmers' homesteads. The land use rights cannot be transferred, transferred or leased for non-agricultural construction. It has no property rights, and it has no property rights. There is no national land use certificate and pre-sale permit, so small property rights mean no property rights. I have a house with small property rights, and if I buy a commercial house, will the loan count?

Mortgage loan borrowers must meet the following conditions at the same time:

Have a legal identity;

Have stable economic income, good credit, and the ability to repay the principal and interest of the loan;

Have legal and valid contracts and agreements for the purchase and overhaul of housing, as well as other supporting documents required by the lending bank;

Have self-raised funds of more than RMB 20 of the total price of the purchased (overhauled) house, and guarantee that they will be used to pay the down payment of the purchased (overhauled) house;

Have assets recognized by the lending bank. Mortgage or pledge, or/and a legal person, other economic organization or natural person with sufficient repayment capacity as a guarantor;

Other conditions stipulated by the lending bank. If you bought a house with a small property right before, does it count as your first house if you buy another one?

A house with a small property right does not have a real estate certificate, so it cannot be counted as a house. Therefore, if you buy a house with a small property right, will it still count as your first house with a small property right? It is considered the first commercial house

A house with small property rights is not considered the first commercial house

Small property rights are not included in the house purchase record

So of course it cannot be counted. I only have one in my hand. If you buy a house with small property rights, can you count it as the first house if you buy a commercial house?

Can you count it as the first house?

Houses with small property rights are not included in the registration, so buying a regular commercial house will not count as a second house. Suite

The down payment is 30% of the house

As for the amount, it depends on your house price, and the interest rate depends on whether you have any discounts

I suggest you search it on Baidu "Loan Calculator", fill in the blanks, the results will be out after you fill in the questions

I own a house with small property rights, will I enjoy the deed tax discount when I buy a commercial house?

I can be responsible Said, there is no such regulation.

Since it is a house with small property rights, it will not be registered with the Housing Authority.

Therefore, when purchasing a regular commercial house, it should be handled according to a set of policies. (only refers to the loan part). If it is a one-time purchase, there will be no relevant discounts. This has nothing to do with the deed tax. If you buy a small-property house and then buy a full-property commercial house, is it considered a second property?

It doesn’t matter how many units you buy without a loan. The issue of which unit will be discussed only when you get a loan.

The house purchased with the first loan is considered the first real estate, and the house purchased with the second loan is considered the second real estate.

Houses bought without a loan are not counted.

If you have a house with rural property rights and buy a commercial house, will it count as a second house?

If it does not count as a second house, the down payment will be 20%, and the provident fund loan will not exceed 500,000. If you renovate one house, buy another one. Does a commercial house count as a first home?

No.

If you have already registered a house for conversion or residential property under your name, if you buy another house, it will be counted as the second house, not the first house.