Buying a house after divorce is generally regarded as the first suite if there is no real estate under the name. The current purchase policy is to take the family as the smallest purchase unit, that is, whether to consider the second suite depends on whether there is a room under the family name. Now divorced, there is no room under my name, and buying a house belongs to a suite.
According to the current policy in Beijing, housing loans divorced after March 24, 2007 (inclusive) and within one year of divorce are applied in two sets. In addition, the bank will also look at your personal credit report. If there is a loan record in your credit report one year later, it will be recognized as a second loan according to the current policy.
Legal basis: In case of any of the circumstances specified in Article 3 of the Notice on Standardizing the Second Set of Housing Identification Standards for Commercial Personal Housing Loans, 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).