What is the second suite?
"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children); Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level; Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.
? The second set of housing provident fund policy
Can I apply for a housing provident fund loan to buy a second commercial house? The answer is yes.
You can continue to apply for a second set of housing provident fund loans, but stop issuing provident fund loans to paid employees who buy third and above houses. If you bought a commercial house (residence) by mortgage and then sold it, now you are going to buy a new commercial house (residence), applying for a provident fund loan is still the first one. Different from commercial banks, banks "recognize housing and loans" and provident fund centers "recognize housing but not loans". In other words, the provident fund center only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans.
Second home loan policy
Second-home loan policy For the recognized "first-home" lender, a relatively favorable provident fund loan policy can be obtained. If the first suite is a policy-oriented housing or a small and medium-sized first self-occupied housing (the building area of the suite does not exceed 90 square meters), the down payment ratio shall not be less than 20%, and the loan amount may be increased according to the personal credit rating on the basis of the maximum amount of 800,000 yuan-if the personal credit rating is aaa, the maximum loan amount shall be increased by 30%, that is, it shall not exceed 6,543,800 yuan; The personal credit rating is aa, and the maximum loan amount rises by 15%, that is, it does not exceed 920,000 yuan. For the purchase of the first suite of non-policy housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio shall not be less than 30%, and the maximum loan amount will no longer rise.
The above is the second-home provident fund loan policy that Bian Xiao will introduce to you today. I believe that after reading it, you will have a certain understanding of the second-home provident fund loan. Many people may default that the second suite cannot use provident fund loans, so when buying the second suite, they often pay for it themselves, which is a loss. Therefore, at this time, if it is not 100% sure, it is still necessary to check online, which may save a lot of money.
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