At present, Changsha implements the policy of recognizing houses and loans. There is a house under the name of the resident family, and the loan has been paid off. If they apply for a commercial loan to buy a second house, the down payment ratio is not less than 35%. If the mortgage of the first home under the name of the resident family has not been paid off, the down payment ratio of the second home shall not be less than 45%.

Apply for provident fund loans to buy two suites, the down payment ratio shall not be less than 60%. The standard for Changsha to identify the second suite is to recognize the loan but not the house. If the purchaser has registered a loan to purchase a house in the bank credit information system, and the loan is not settled, and applies for a loan to purchase a house, the house will be defined as a second suite or above.

Conditions for buying a second suite in Changsha

1, the first housing property certificate has been issued for 4 years or the online signing has been completed for 6 years. Only the first set of housing has not been issued or delayed for less than 4 years due to the developer's reasons, and two sets of housing can be purchased through online signing for 6 years.

2. Changsha has been registered for 2 years.

3. Married or single-parent families (single-person families are not eligible to buy second suites).

The above three conditions need to be met at the same time. However, according to the New Deal, as long as you buy a house with a loan, whether you pay off the mortgage or not, whether you use a commercial loan or a provident fund loan, as long as you keep the loan record, when you apply for a housing loan again, you will follow the second-home loan standard.