The third home mortgage was suspended. In addition, if the first purchase area is 90 square meters or more, the down payment ratio shall not be less than 30%. If the second suite is purchased by loan, the down payment ratio shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate. In areas where the price of commercial housing is too high, the increase is too fast and the supply is tight, commercial banks may suspend the issuance of the third and above commercial housing loans according to the risk situation. The purchase process of the third suite is in accordance with the requirements of property right transfer registration. When going to the property right registration center to handle the transfer, the buyer and the seller need to prepare the information needed for the transfer. The people of the intermediary company bring the buyers and sellers and related materials to the local taxation bureau for tax verification, and the local taxation bureau issues tax receipts. Then return to the trading center, submit deed tax, business tax receipts and all the documents required by both parties for transfer, fill in the application form for registration of house ownership transfer, receive the acceptance notice, and pay the house stamp duty at the same time.

Legal basis:

Article 14 of the Provisional Regulations on the Registration of Real Estate shall be jointly applied by both parties if they apply for the registration of real estate due to sale or mortgage.

In any of the following circumstances, the parties may apply unilaterally:

(a) unregistered real estate for the first time to apply for registration;

(2) Inheriting or accepting bequests to acquire real estate rights;

(three) the establishment, alteration, transfer or elimination of real estate rights by effective legal documents or decisions of the people's government;

(four) the name, ownership or natural conditions of the obligee have changed, and the application for registration of change has been made;

(five) the loss of real estate or the right holder to give up real estate rights and apply for cancellation of registration;

(six) to apply for registration of correction or objection;

(seven) other circumstances stipulated by laws and administrative regulations that can be unilaterally applied by the parties.

Derivative problem:

What are the three sets of real estate certification standards?

1. There are two sets of commercial loan records in the personal name, one set has been paid off and sold, and the other set has not been paid off. In this case, if you borrow again, it will be recognized as the third set of housing loans by the bank.

2. There are two sets of commercial loan records in the personal name, both of which have been paid off and sold. Although two houses can be sold, there is no real estate in the name of the individual, but it will be considered as the third set when lending.

3. One set of commercial loans has been paid off in the name of individuals, and the other set of provident fund loans has been paid off. The borrower wants to use the provident fund loan to buy another property. According to the new provisions of the provident fund, this property is regarded as a three-bedroom apartment, which is implemented according to the three-bedroom loan policy.

4, the first suite provident fund loans, second suite commercial loans, if you still use commercial loans to buy a house, it must be the third set.

5. Husband and wife, before marriage, one party uses a commercial loan to buy a house, and the other party uses a provident fund loan. After marriage, they want to borrow money together in the name of husband and wife. The New Deal stipulates that although they are all personal loans before marriage, they are recorded in the central bank's credit information system, so buying a house in the name of husband and wife is still a three-suite.

6. Husband and wife, one party has a house before marriage but has not sold it with a loan, the other party uses a commercial loan to buy a house for his parents, and after marriage, he uses a provident fund loan to buy a house in the name of a non-lender. According to the current provident fund loan policy, no matter whether the property under an individual's name has been sold or not, whether the loan has been paid off or not, when the provident fund is used for refinancing, it will be included in a purchase record. Under the policy standard of returning a house and repaying a loan on a family basis, it is regarded as the third home purchase loan and the loan is stopped.

7. Both husband and wife have a full set of houses before marriage, and a set of houses with provident fund loans has been paid off and not sold. After marriage, I want to apply for provident fund loans in the name of the other party before buying a house. According to the new policy of provident fund loan, the property purchased after marriage belongs to the third suite, and the provident fund is currently suspended.

8. One spouse buys a house in full before marriage, and there is no loan under his name. After the marriage, they bought the house in full in the name of each other. Now they are going to buy another set of provident fund loans with the same name. According to the new provident fund policy, the house they are going to buy again belongs to the third suite, and the provident fund will stop lending.