What is the standard for determining the first suite in Kunshan?
1. Loan to buy a suite, commercial loan has been settled, and then loan to buy a house, which is the first suite in Kunshan.
I bought a suite with a loan and later sold it. You can't find the real estate through the house registration system, but you can find the loan record in the bank credit information system, and then borrow money to buy a house. It is the first suite in Kunshan.
3. I bought a suite in full, and bought a house with a loan, the first suite in Kunshan.
4. I bought a suite in full and sold it later. The house registration system couldn't find the property, and then I took out a loan to buy a house, which was the first suite in Kunshan.
5. There are commercial loan records of two suites in the name of the individual, which have all been paid off and sold, and at the same time, they can provide proof of selling two houses. In this case, when refinancing, it is the first suite in Kunshan.
6. One commercial loan has been paid off, and the other is the provident fund loan has been sold. At the same time, it can provide proof of house sale and apply for commercial loan to buy a house. It is the first suite in Kunshan.
7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan before marriage. After marriage, they want to borrow money 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, and count it as the first suite in Kunshan.
8. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. After marriage, he buys a house and applies for a loan, which is the first suite in Kunshan.
How low is the down payment for the first suite in Kunshan?
1. Policy: For families (including borrowers, spouses and minor children) who purchase the first self-occupied housing with a construction area of over 90 square meters, the down payment ratio of loans shall not be less than 30%.
2. Status quo: The down payment requirement of commercial banks for first-home commercial loans is generally 30% or above, while the situation of provident fund first-home loans varies from place to place. The down payment in some cities can be as low as 20%, and the total down payment is more than 30%.
What we introduced to you above is what is the identification standard of the first suite in Kunshan? Regarding the down payment of the first suite in Kunshan, the criteria for determining the first suite may be different from what we thought, but we know that as long as these criteria are met, it can be determined as the first suite.