1. If the foreign property is purchased by loan, buying a house in Chengdu is not the first set, but the second suite. Because at present, the data of borrowers' loans to buy houses are obtained by banks by querying the central bank's credit information system, and the central bank's data has been networked nationwide.
2. If the property purchased by the buyer in other places is the full amount, buying a house in Chengdu is the first set. Because the data of local housing management departments are not connected to the internet, the property that has not been purchased through loans will be a blind spot identified by the second suite. In this case, it is possible to enjoy the preferential loan policy for the first suite.
In addition, the bank stressed that in order to apply for loans, buyers with non-local hukou should not only provide ID cards, household registration books, temporary residence permits, income certificates, unit production certificates and bank card running account numbers, but also provide tax payment certificates or social insurance payment certificates that have worked in the local area for 12 months after the introduction of the New Deal. If the property buyer is a private owner, he can also hold a self-employed business license for more than one year.
How to calculate the purchase in different places:
As long as you buy a house with a bank loan, all banks can obtain the borrower's previous purchase information from the central bank's credit information system, so as to judge whether it is a "second suite".
What is the standard for the first suite?
1. If an individual has bought a house before, but the loan has been paid off, in this case, if he borrows money to buy a house, it is the first suite.
2. A person once bought a house and later sold it. The house registration system can't find the property record, but the bank has a loan record. Buying a house at this time is the first set.
3. If you have bought a house before, but bought it in full, and applied for a loan when you buy a house again, it is the first suite.
4. I have bought a house with the full amount, and later sold the property. According to the house registration system, there is no property in my name, so I bought a house with a loan, which belongs to the first suite.
5. If one spouse has a house before marriage, but there is no loan record, and the other spouse has no house before marriage, but there is a loan record, in this case, buying a house with a loan after marriage is the first suite.