This counts as your first home

The following are the criteria for identifying first and second homes:

1. Purchased a home with full payment and purchased it with a loan - this counts First home;

2. I bought two or more houses with loans, and later sold them all. I couldn’t find the property through the house registration system, but I could find the loan record in the bank’s credit system, and then I took out a loan to buy a house. ——It is considered the first house;

3. I bought a house with full payment, but later sold it, and the property cannot be found in the housing registration system, so I took a loan to buy a house again—it is considered the first house;

4. If the local area does not have the query conditions of the housing registration system, and the bank conducts due diligence to verify that the home buyer already has a house, then a loan to buy a house will be counted as the first house;

5. There are two houses in one's name The commercial loan records of the apartments have all been paid off and sold, and proof of the sale of two houses can be provided at the same time. In this case, when refinancing, it will be regarded as the first house;

6. There is a house under one's name The commercial loan has been paid off, and the other provident fund loan has also been paid off. Apply for a commercial loan and then buy a house - it is considered the first house;

7. A couple, one party owned a house before marriage but had no loan record, The other party has a loan record before marriage but no real estate in his name, and applies for a loan to buy a house after marriage - it is considered the first home;

8. Between the couple, one party uses a commercial loan to buy a house before marriage, and the other party uses a commercial loan to buy a house before marriage. Provident fund loan, after marriage, two people want to take out a joint loan in the name of husband and wife. If the loan has been repaid, banking financial institutions can flexibly control the loan interest rate and down payment ratio based on specific factors such as the borrower's solvency and credit status; if the loan has not been repaid - it is considered a second home or more;

9 , I have bought a house with a loan, the commercial loan has been paid off, and I will take another loan to buy a house - it is considered the first house. If the loan has not been paid off - it counts as two sets;

10. If there are commercial loan records for two sets of houses under the individual's name, one set has been paid off and the other has not been paid off. At this time, the re-loan is considered Second suite or more.

For families who want to purchase a second home with a loan, the down payment ratio of the loan must not be less than 60%, and the loan interest rate must not be less than 1.1 times the benchmark interest rate.

Second home loan fees

1. Down payment

According to bank regulations, if the borrower applies for a second home loan, he or she must pay no less than the purchase price. The down payment for the house price is 60 RMB, and some areas require the down payment ratio for the second home loan to be no less than 70 RMB.

2. Interest

The interest on the second home loan is calculated based on the borrower's loan amount, loan term, loan interest rate and repayment method. Among them, the level of loan interest rates directly affects the amount of mortgage interest payments.

3. Mortgage registration fee

Customers applying for a second home loan must agree to mortgage the house purchased under their name. When going through the mortgage registration procedures, the borrower needs to pay a certain amount. Mortgage registration fee.

4. Notary fees

When applying for a second home loan, you also need to pay a notary fee. When applying for a bank housing loan, the bank will entrust a notary department to certify the borrower's qualifications, and the borrower will need to pay a notary fee.

Hope to adopt it! !