Can I buy a second suite if the first suite in Harbin has not been paid off?
1. With the full opening of the second child policy and the reduction of the down payment ratio, more and more families buy second suites. The loan is finished, the commercial loan is settled, and the second loan to buy a house is the first set; If the loan is not settled, it is counted as two sets, then the purchase standard of the second suite will be implemented when purchasing the second suite.
2. In non-restricted cities, households buy ordinary houses for the first time. In principle, the low down payment ratio of commercial loans is 25%, which can be lowered by 5 percentage points in various places; 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 loans to buy ordinary housing again, and the low down payment ratio should not be less than 30%.
3. I learned from the Housing Provident Fund Management Center that the commercial loan of the first suite has not been paid off, and the second suite can use the provident fund loan, and the down payment still enjoys the first set of treatment, that is, the low down payment ratio is 20%, so by the same token, the first set of outstanding loans and the second suite can also apply for a bank loan.
What are the restrictions on buying a second suite in Harbin?
1, 20 15 the central new policy for second-home loans announced that the low down payment ratio for second-home loans should be adjusted to not less than 40%. China People's Bank of China, Ministry of Housing and Urban-Rural Development, China Banking Regulatory Commission issued a notice on reducing the down payment ratio of personal provident fund to purchase a second home loan.
2. For the paid workers' families who own the first home and have settled the corresponding housing loan, in order to improve their living conditions, they apply for a housing provident fund entrusted loan to buy a second ordinary self-occupied house again, and the low down payment ratio of the second home loan is 30%.
3. The down payment ratio of the second home loan dropped to 40%.
4. For families who already own a house and the corresponding housing loan is not settled, in order to improve their living conditions, they apply for a commercial personal housing loan again to buy a second set of ordinary commercial housing, and the low down payment ratio of the second home loan is adjusted to not less than 40%.
5. Before adjustment: the down payment ratio of the second suite is 60%, and that of the north, Guangzhou and Shenzhen is 70%.
6. The down payment ratio of the first and second suites is 60%, and the down payment ratio of the second suite in Beijing, Guangzhou and Shenzhen is 70%.
7. Previously, the second-home housing provident fund loan policy: if the second-home ordinary self-occupied housing loan is less than 90 square meters, the second-home low down payment ratio is 20%; If the area of the second suite is more than 90 square meters, the low down payment ratio of the second suite loan is 30%.
The above is the first suite in Harbin. Can I buy another suite if I haven't paid it off yet? What are the restrictions on buying a second house in Harbin? Positive changes have taken place in the real estate market, and the excessive rise in housing prices has been initially curbed. In order to consolidate and expand the results of regulation and control, gradually solve the housing problem of urban residents, continue to effectively curb speculative investment in housing, and promote the stable and healthy development of the real estate market, we must further do a good job in the regulation and control of the real estate market.