1, the loan to buy a suite will be counted as the first set after the commercial loan has been settled, and if the loan is not settled, it will be counted as the second suite;

2. There are two sets of commercial loan records under the personal name, one set has been paid off and the other set has not been paid off. At this time, the refinancing is determined to be more than two suites;

3. One spouse buys a house before marriage and uses a commercial loan, while the other spouse buys a house before marriage and uses a provident fund loan. After marriage, they want to borrow money together in the name of husband and wife. If the loan has been paid off, if the loan has not been paid off, the loan interest rate and down payment ratio of banking financial institutions will exceed the second suite;

4. In the past, buying a house with a full loan under one's name was not considered as a second suite. However, although there is no loan now, as long as there is a property in the name of the housing property rights trading system, it is recognized as a second suite, and there is no need to sell and apply for a loan.

5. There is a loan to buy a house under the personal name, and then the loan is used to buy a house and sell it. That is to say, although the property purchased by the loan is sold, there is no house under the family name, but because of its previous loan record, it will also be counted as a second suite when applying for a mortgage loan.

Buyers with improved demand in the market are faced with awkward choices, especially those who need loans to buy a second house, because the first house has no loan record.

Whether the inherited house is the first suite is as follows:

After inheriting the legacy house, buying a house is still the first suite. The so-called "first suite" must meet three conditions at the same time: the buyer's age is 18 years old; The house you purchased is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%); There is no house purchased alone or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy and obtained through inheritance or demolition and resettlement are excluded.

To sum up, if a house is sold, it will be regarded as the first one. If it is the first home loan and the loan is not settled, it will be regarded as the second home when buying a house; In addition, one spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans. After marriage, the two want to jointly borrow money in the name of husband and wife. If one of the loans is not settled, it will be regarded as the second suite.

Legal basis:

Sixty-first "People's Republic of China (PRC) City Real Estate Management Law"

Where the land use right is obtained by transfer or allocation, it shall apply to the land management department of the local people's government at or above the county level for registration, which shall be verified by the land management department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level.

If a house is built on the land for real estate development obtained according to law, it shall apply for registration with the real estate management department of the local people's government at or above the county level with the land use right certificate, and the real estate management department of the local people's government at or above the county level shall verify and issue the house ownership certificate.

When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level.

If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.