In the current home purchase loan policy, if the property purchased is recognized as a second home, not only will the down payment ratio be much higher than that of the first home, but the mortgage interest rate will also increase by about 20%. , is very unfavorable, so it is very critical in the number of properties recognized. So what are the standards for the recognition of second homes in 2019? Let’s take a look with the editor below.

1. What are the criteria for identifying second homes in 2019

1. If you have purchased a home with a loan and have a registered property in your name, and apply for a loan to purchase a new home, it will be recognized as a second home; 2. Loan The purchased property has been sold, but there is no registered property in the name, but there is a loan record, and the loan application for repurchase will be regarded as a second home; 3. A home purchased with full payment, and there is a registered property in the name, and the loan application for repurchase will be recognized as a second home; 4. If there is no real estate registered house in your name but it is verified that you have one house, then applying for a loan to buy a house will be considered as a second house.

2. What should you pay attention to when buying a second house?

1. Pay attention to the loan methods

Nowadays, there are three types of loan methods, namely provident fund loans and personal business loans. Loans and combination loans, because if you apply for a loan for a second home, the down payment ratio and loan interest rate will be much higher, especially if you apply for a personal commercial loan to purchase, it will be higher. If you choose a housing provident fund loan, you can still enjoy related As long as the first house uses a commercial loan, the second house can use the housing provident fund loan to implement the first loan policy.

2. Calculate the per capita housing area

When buying a second home, be sure to calculate the per capita housing area, because many loan banks have some discounts in this regard. If the second house purchased is in an improved residence, you can still enjoy the preferential policies for the first house when applying for a home purchase loan.

Editor’s summary: The above is an introduction to the standards for second home recognition in 2019. I hope that the content shared by the editor can give you some reference. If you want to know more related knowledge, you can follow us Qijia.com information.