Seven situations in which the bank approves the second suite:
Parents have a house first, and then buy a house in the name of a minor child.
According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.
Second, minors have real estate under their names, and then they can borrow money to buy a house when they are adults.
According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for minors' real estate, applying for a mortgage is not a second set.
Three, the individual has bought the house in full, and then borrowed to buy a house.
In the past, it only "recognized the loan", not counting the second suite, but now it has added "recognized the house". Although we don't have a loan, as long as we can find a property in our name in the property rights trading system, we don't have to sell it and apply for a loan, we will also be recognized as a second suite.
Four, the individual has a loan to buy a house, and then the loan to buy a house after the sale is settled.
At present, the bank's identification of the second suite is "recognizing the house and recognizing the loan". That is to say, although the property bought by the loan is sold, there is no house under the family name, but because of the previous loan record, applying for a mortgage will also be counted as the second suite.
Five, the first purchase of commercial loans, the use of provident fund loans for the second purchase.
The current provident fund loan policy is also strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, even if the provident fund loan has never been used, the first application for provident fund loan is considered as a second suite.
6. One party borrows money to buy a house before marriage and applies for a loan to buy a house in the name of the other party after marriage, but their accounts are not together.
After the marriage, the husband and wife registered their marriage in the Civil Affairs Bureau, although the household registration did not fall together. Now, when issuing loans, banks will require borrowers to provide proof of marital status in addition to household registration books, while married couples can't provide proof of singles, so when buying a house again, they will count the other party as a second suite.
Seven, after marriage, both parties * * * loan to buy a house, and after divorce, one party applies for a loan to buy a house.
As long as the mortgage records can be found in the central bank's credit information system, even if the property is awarded to one party after the divorce, the other party will be recognized as a second suite. This has made many attempts to evade the new deal of the second suite through "fake divorce" go down the drain.
References:
Easy Loan China official website (see my "Space" for more loan-related issues).