First, the first suite is a provident fund loan, and the second set of commercial loans is a second suite.
2. According to the announcement issued by the Ministry of Housing and Urban-Rural Development on its website on the evening of the 4th,
Notice on standardizing the second set of housing identification standards in commercial individual housing loans
Three. In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:
(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;
(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;
(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).
IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice.
For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.
Is it a second suite to buy the first suite with a provident fund loan and then buy a house with a commercial loan?
Buying a first suite with a provident fund loan and buying a house with a commercial loan is also a second suite. The first suite and the second suite are not decided according to the loan, but according to the number of properties owned by the name. The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated as the second home loan.
According to Article 1 of the Notice on Standardizing the Criteria for Determining the Second Set of Housing in Commercial Personal Housing Loans, the number of residential units in commercial personal housing loans shall be determined according to the number of complete housing units actually owned by family members (including borrowers, spouses and minor children, the same below).
Article 2 Upon the application or authorization of the borrower, the real estate departments of municipalities directly under the central government, cities with separate plans, provincial capitals and other cities with inquiry conditions can inquire about the borrower's family housing registration records through the housing registration information system and issue written inquiry results.
If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.
Extended data:
Article 3 of the Notice on Standardizing the Second Set of Housing Identification Standards for Commercial Personal Housing Loans is under any of the following circumstances, the lender shall implement the second set or more differentiated housing credit policies for the borrower:
(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;
(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;
(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).
The first time I bought a house, I used a housing provident fund loan. Is it two sets for the second time?
Count.
The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated as the second home loan.
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.
The first suite is a provident fund loan, and the second set of commercial loans is the first or second suite.
Calculate the second suite, and explain the reasons as follows:
According to the Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities (Guo Fa [2065 438+00] 10), the second set of housing identification standards for loan applicants (hereinafter referred to as borrowers) in commercial personal housing loans are standardized:
The borrower has used the loan to purchase more than 1 house (inclusive) and applied for a loan to purchase the house; Implement the second (and above) differentiated housing credit policy.
So it is only a nominal loan, and the second loan is a second suite.
Extended data:
On the evening of the 4th, the Ministry of Housing and Urban-Rural Development published the Notice on Standardizing the Second Set of Housing Identification Standards in Commercial Personal Housing Loans on its website. The circular pointed out that the number of residential units in commercial individual housing loans in various places should be determined according to the number of complete housing units actually owned by family members who are interested in buying houses (including borrowers, spouses and minor children). The following is the full text of the notice:
Notice on standardizing the second set of housing identification standards in commercial individual housing loans
Fang Jian [2010] No.83
All provinces, autonomous regions, municipalities directly under the Central Government, cities with separate plans and provincial capitals (Project Construction Committee, Real Estate Bureau), Shanghai headquarters of China People's Bank, branches and business management departments, city center branches of provincial capitals, sub-provincial city center branches, banking regulatory bureaus, commercial banks, joint-stock commercial banks and China Postal Savings Bank:
In order to implement the Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities (Guo Fa [2065 438+00] 10No.) and standardize the second set of housing identification standards for loan applicants (hereinafter referred to as borrowers) in commercial personal housing loans, relevant matters are hereby notified as follows:
First, the number of residential units in commercial personal housing loans should be determined according to the actual number of complete sets of housing units owned by family members who intend to purchase houses (including borrowers, spouses and minor children, the same below).
Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.
If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.
Three. In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:
(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;
(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;
(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).