Some people buy houses because of insufficient funds, resulting in a relatively small house area. With the improvement of life, many people want to buy another big house. But the down payment ratio of buying a second house is different from that of the first suite. So what is the down payment ratio of the second suite? Let's take a look with Bian Xiao.

First and second suite down payment ratio

The down payment ratio of the second suite is not less than 60% of the total house price, and the loan interest rate is not less than 1. 1 times of the basic standard interest rate. The down payment ratio of the second suite is generally higher than that of the first suite. The second suite refers to the mortgage house with the borrower's family as the unit, including the borrower, spouse and minor children. The per capita housing area of families is higher than the local average, and they apply for loans from banks again.

2. What is the standard for the bank to identify the second suite?

1. If parents own houses, they will buy houses in the name of minor children.

According to the new national housing policy, minor children, spouses and borrowers all belong to the family category. For example, applying for a loan in the name of a minor child will also be implemented in accordance with the second suite policy. Secondly, if the minor currently has a loan and buys a house as an adult, then the house purchased also belongs to the second suite, which is also implemented according to the second suite policy.

2. If there is a house purchased in full under the name of the individual, then buy the house with a loan.

In the past, buying a house by loan was a form of loan recognition, but now it is a form of housing recognition. For example, if you already have a house, even if you didn't have a full loan at that time, if you didn't sell the first suite and buy a house again, then the house you bought will be implemented according to the policy of the second suite. Secondly, the purchase of the first suite has been applied for a loan and has now been sold. If there is no house, then buying a house again is also considered a second suite, because there was a loan record before.

3. Use commercial loans for the first purchase and provident fund loans for the second purchase.

As long as the lender has a mortgage record, whether the mortgage is paid off or not and whether the house has been sold, if the provident fund is used to buy a house for the first time, it is also recognized as a second suite.

Editor's summary: The above is the relevant explanation about the down payment ratio of the second suite, hoping to bring help to friends.

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