Commercial loans are ok, and the interest rate and down payment will be adjusted. It is important to determine whether the property is a second suite.

Second suite identification standard:

1, husband and wife, one party buys a house before marriage with a commercial loan, and the other party buys a house before marriage with a provident fund loan. After marriage, the two want to borrow money together in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status; If the loan has not been paid off-more than two suites;

2. Loan to buy a suite, commercial loan has been settled, and then loan to buy a house-the first set. If the loan is not settled-two sets;

3. If the local area does not have the query conditions of the housing registration system for the time being, and the bank conducts due diligence to verify that the purchaser already has a house, then the loan is used to purchase the house-the first set of calculations;

4. There are two sets of commercial loan records in the name of the individual, both of which have been paid off and sold, and two sets of housing sales certificates can be provided at the same time. In this case, when refinancing, the first set of calculations;

5. The commercial loan of one suite under the personal name has been paid off, and the other provident fund loan has also been paid off. Apply for a commercial loan and then buy a house-the first set;

6. Husband and wife, one party has a house before marriage but no loan record, the other party has a loan record before marriage but no real estate under his name, and buys a house to apply for a loan after marriage-the first set;

7. There are commercial loan records of two suites in the personal name, one set has been paid off and the other set has not been paid off. At this time, the refinancing was identified as more than two suites.

For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.