1. What are the loan terms for the second home?
The condition of the second home loan is: (1) The borrower has full capacity for civil conduct. (2) Have a formal urban hukou or valid residence status in this city. (3) It has stable economic income, good credit and the ability to repay the principal and interest of the loan. (4) Housing provident fund is normally paid before the loan and has been paid continuously for more than half a year. (5) can provide a valid contract or agreement for the purchase of owner-occupied housing.
Second, what is the standard for the bank to identify the second suite?
1. The second-home lender applied for a loan to buy a house for the first time. For example, in the place where the house is purchased, if the second-suite family in the second-suite registration information system (including the registration of the second-suite pre-sale contract) has registered a set (or more) of housing, it belongs to the second suite.
2. If the second-home lender has used the loan to purchase a set (or more) of housing and applied for a second-home loan to purchase housing, the bank will recognize it as a second-home.
3. The second-home lender conducts an investigation by inquiring about credit records, interviewing and face-to-face investigation. If necessary, you can consult your neighbors to confirm that the second-home lender's family already owns 1 house (and above), and the bank recognizes it as a second home.
4. For non-local residents who can provide tax payment certificates or social insurance payment certificates for more than 1 year, the second-home lender shall implement differentiated housing loan policies in accordance with Article 3.
Abstract: The above are the loan conditions of the second house in Bian Xiao, and the standards of the second house considered by the bank. I hope I can help you. It takes a lot of courage to buy a second suite, and the economic conditions should be well supported. Don't give yourself too much pressure.