Shenzhen's recognition of housing and denial of loans means that it only depends on whether there is a house in the name of the buyer, regardless of historical loan records.

in the case of denying the loan, regardless of whether the buyer has a loan record or not, as long as the buyer proves that there is no room under his name, he can be recognized as the first suite. If there is already a suite under the name of the buyer, whether the loan is paid off or not, and then buying a house, it will be determined according to the second suite. This time, the Ministry of Housing and Urban-Rural Development mentioned that it is not necessary to recognize the loan, mainly for the evaluation criteria of the second suite when buying a house.

When people buy a house, the first suite and the second suite are different in many aspects, including the down payment ratio and loan interest rate. That is to say, if there is a house under the name, then buying a house is two sets; Especially if there has been a loan under the name, no matter whether the loan is paid off now, buying a house again will be considered as two sets. This is the implementation standard.

benefits of denying loans

denying loans is good for improved homebuyers, because as long as you sell the property under your name, you can buy a house loan according to the standards of the first suite. Especially for families who have bought houses with two loans, if they only follow the provisions of "loan recognition", it is equivalent to losing the qualification of changing houses, and now they can "revitalize" their houses.

At the same time, in order to improve housing conditions, buyers will also sell their existing houses to increase market circulation. However, we should also consider the subsequent policy changes, and never make a decision easily. In China's housing purchase restriction policy, recognizing housing and lending is the most stringent one. At present, only a few cities adopt it, and most cities only recognize housing or lending.

for the above contents, please refer to Baidu Encyclopedia-Admitting the house but not the loan.