The loan for the first suite has not been paid off. Can I still get a loan if I buy the second suite?

The first suite provident fund loan has not been paid off, and you can also borrow money to buy a second suite. No matter whether the first set is a provident fund loan or a commercial loan, you can apply for a commercial loan to buy a second suite again, but you can't apply for a housing provident fund again.

1 20 15 On March 30th, the Notice on Issues Concerning Personal Housing Loan Policy issued by China Banking Regulatory Commission and Ministry of Housing and Urban-Rural Development mentioned that for families who own/kloc-0 apartments and the corresponding housing loans have not been settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%, with specific down payment ratio and interest rate level.

2. The down payment ratio of the second home loan has been reduced from the original minimum of 60% to the minimum of 40%, and the threshold for improving demand for buying houses has been greatly reduced. At the same time, the threshold for housing provident fund loans has been further reduced. The minimum down payment ratio is 20%. For the paid employee families who own 1 house and have settled the corresponding housing loans, they can apply for housing provident fund entrusted loans to buy ordinary self-occupied houses again, and the minimum down payment ratio is 30%.

For households that own 1 apartment and the corresponding housing loans are not settled, the down payment ratio for purchasing the second suite will be lowered according to different circumstances. The regulations of China Bank are as follows: 65,438+0. For households that own 1 apartment and the corresponding housing loan is not settled, the down payment ratio shall not be less than 40%. The specific down payment ratio will be appropriately adjusted according to the specific conditions of different regions and customers. Please consult local institutions for details. 2. In cities that do not implement the "purchase restriction" measures, for households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%. 3. The People's Bank of China and the China Banking Regulatory Commission require the provincial market interest rate pricing self-discipline mechanism to independently determine the minimum down payment ratio of commercial personal housing loans within its jurisdiction in light of the actual conditions of various cities. Therefore, please consult the local outlets for the specific down payment ratio and loan interest rate. If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business. China Bank Online Customer Service:: 95566.boc./ZIM/ Mobile Banking Download:: Bank of China. /EBanking/Service/CS 1/20 1009/t 20 10092 1 _ 165438。 locale = zhv = 20 1805 180204056 13

Yes, we have to pay 50% down payment for this second suite. Some homeowners can give you a loan in advance, and the interest rate is higher than that of the first suite.

Looking at the local mortgage policy, in theory, you can open a running water higher than repayment, and the loan can be approved.

The loan for the first suite has not been paid off, so you can buy a second suite, but there are some restrictions. The situation is as follows:

First, the provident fund loan cannot be used for the second suite without repayment of the first suite.

Buy two suites and two suites, and the down payment ratio should be increased to at least 30%.

When purchasing the third and second suites, the first suite has not been paid off, and the bank needs to review the qualifications of the lender when purchasing.

Hello, the personal debt ratio is too high, it is difficult to approve loans, or even not. However, as long as your personal debt ratio meets the loan requirements, there is no problem with credit reporting and it has no impact on other business applications. The above answers are provided by Ronglian Ye Wei for your reference.

You can borrow money, but you must have sufficient repayment ability, and the proportion of second-home loans is slightly lower.

The first mortgage has not been paid off, can I still get a loan for buying a second suite?

There are many kinds of bank loans, and the conditions of borrowers are different. You can first inquire about the loan types and the specific information of the corresponding loans through the "Personal Finance-Personal Loan" function of the Bank of China portal. If there is loan demand, it is recommended to contact local outlets for detailed consultation.

The above contents are for your reference. Please refer to the actual business regulations.

The first home loan has not been paid off, can I still get a loan if I buy a second home loan?

The loan for the first house has not been paid off. If you buy a second home, you can refinance, but the down payment ratio and loan interest rate should go up. If the mortgage loan is not settled in April, 20 10, according to the "National Ten Articles" of the State Council, the down payment ratio of the loan for families who buy a second home shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate. Generally speaking, buying a house is calculated on a family basis. Family members mainly include borrowers, spouses and minor children. The second house actually refers to the second ordinary self-owned house. Nowadays, many cities buy houses and recognize houses and loans. When the per capita housing area of buyers' families is higher than the local average, applying for housing loans from commercial banks again will be defined as the second set of housing.

Mortgage, also known as house mortgage. Housing loan means that the buyer fills in the application for housing mortgage loan to the bank and provides legal documents, such as ID card, income certificate, housing sales contract, guarantee, etc. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract signed between the bank and the buyer. The bank shall directly transfer the loan funds into the seller's bank account within the time limit stipulated in the contract. The latest survey data of 20 165438+20031October 24th shows that according to the sample data of 65438+1October1to 1 1

Participants in housing loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to evaluate the participation of companies and housing mortgage guarantee companies when applying for loans. Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the utilization rate of housing loans in major first-tier cities in China reached a high level at the end of 20 10. In terms of housing mortgage loans, the proportion of loans has reached more than 70%. In recent years, more and more residents have applied for mortgage loans and used their own or relatives' properties to revitalize their properties. "Housing loan" has become a way of life closely related to residents' lives.

Can I buy a second home loan if the first home loan has not been paid off?

Legal analysis: 1. If the first home is a commercial loan, it is ok to buy a second home loan without paying off the mortgage, but the loan interest rate will rise, and the income certificate must meet the minimum monthly payment requirement of the second home loan amount. 2. If the first suite is a provident fund loan, you can't apply for a second suite loan with the provident fund before the loan is paid off, but you can buy a second suite with a commercial loan.

Legal basis: Measures for the Administration of Affordable Housing Article 9 When applying for a loan from a commercial bank, an individual shall not only comply with the provisions of the Measures for the Administration of Individual Housing Loans, but also issue a notice of approval from the competent department of affordable housing of the people's government of the city or county. The purchase of affordable housing can withdraw individual housing provident fund, and give priority to housing provident fund loans. Article 35 of the Law of People's Republic of China (PRC) Commercial Bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

The loan for the first house has not been paid off, can I still borrow money to buy a second house?

You can apply for a second home loan, and the down payment ratio will be raised according to regulations.

Before the adjustment, the minimum down payment ratio is 60%, and the minimum down payment ratio of Beishangguangshen and Shenzhen is 70%.

After the adjustment, for households with 1 apartment and outstanding housing loans, in order to improve their living conditions, they will apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio will be adjusted to not less than 40%.

If you have used the loan to purchase a house and apply for the purchase of a second house (inclusive), the down payment ratio of the loan shall not be less than 40%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate of the same grade in the same period announced by the People's Bank of China.

Extended data

Loan terms:

(1) has legal identity.

(2) having stable economic income, good credit and the ability to repay the principal and interest of the loan.

(3) There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

(4) Self-raised funds account for more than 30% of the total price of the purchased house, and are guaranteed to be used for the down payment of the purchased house.

(5) There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor.