The criteria for identifying second homes in Beijing are as follows:

1. If a loan has been taken for the first home purchase and a loan is still required for the second home purchase, the second home is considered a second home.

2. If a commercial loan is used for the first home purchase and a provident fund loan is used for the second home purchase, it is a second home.

3. If the loan for the first home has been paid off and has been sold, then the loan is used to buy a second home.

4. If either party once took out a loan to buy a house and then applies for a loan to buy a house again after marriage, it is considered a second house.

5. If one spouse has had a loan before and applies for a loan in the name of an adult child of the family, it is a second home.

6. One spouse takes a loan, and the property purchased is awarded to the other spouse after the divorce, and the home buyer applies for a loan again for a second home.

7. The house purchased with the first loan is an improved house, and the house purchased with the second loan is a second home.

8. I once took a loan to buy a house in another place and applied for a loan again in Beijing for a second house.

Fees required to purchase a second home

1. Real estate deed tax: generally 1% of the purchase price. If the total area is less than 90 square meters and it is the first home, you can pay 1% , if the total area is more than 90 square meters and less than 144 square meters, 1.5% will be paid, and if the total area is more than 144 square meters, 4% will be paid. If the actual selling price is less than 1.2 times the average transaction price of residential properties on land of the same grade, it will be regarded as an ordinary residence and a property deed tax of 1.5% of the selling price of the house will be levied. On the contrary, press 3%.

2. Value-added tax: The value-added tax to be paid on a house purchased within two years is the selling price × 5%; after 2 years, ordinary residences will not be levied VAT, and high-end residences will be levied an added value of 5% of the transaction price difference. If the production certificate is five years old, you can be exempted from paying value-added tax.

3. Personal tax: 1%. It can be exempted if the real estate certificate is more than 5 years old and it is a house.

4. Transaction fee: Generally, buyers are required to pay each other’s transaction fees.

5. Surveying and mapping fees: according to the actual requirements of each district.

6. Ownership registration fees and investigation and evidence collection fees.