The number of houses owned by a family is no longer used to determine whether to accept a loan or not. As long as a family buying a second home has paid off the loan for the first home, the second loan will also be determined based on the first home.
The number of housing units for housing provident fund loans in most cities is "acceptance of the loan but not the housing". The number of housing units needs to be checked and verified through the People's Bank of China credit system and the housing provident fund management system. Provident fund loan, identification of housing units.
House recognition means that when defining a second home, if the borrower already has registration information in the local housing registration system, when buying a house again, the house will be defined as a second home or above.
Loan subscription means that when defining a second house, if the buyer has registered information on a loan to buy a house in the bank's credit system, then when applying for a loan to buy a house again, the house will be defined as a second house or above. . Loan subscription refers to looking at how many loan records you have, regardless of whether the loan has been repaid.
Recognizing both a house and a loan means that when buying a house with a loan, as long as the borrower has a house in his name or a mortgage record, it will be defined as a second home or above.
①Xiao Ming bought a house (it is Xiao Ming’s first house). He bought it with full payment and did not get a loan from the bank.
②Xiao Ming bought a house with a loan and the loan has been paid off.
③Xiao Ming bought a house with a loan and is still paying off the mortgage.
④Xiao Ming bought a house with a loan and later sold the house.
According to regulations, the maximum term of a commercial loan is 30 years. Generally, the house age + loan age does not exceed 30 years. In addition, there is an upper limit on age (men: no more than 65 years old, women: no more than 60 years old). .) And the maximum loan period is different for each bank.