First, can the first suite be mortgaged to buy the second suite?

No, under normal circumstances, housing mortgage consumer loans mainly refer to loans issued by banks to individual customers for designated consumption purposes, such as car purchase, travel, study abroad and durable goods consumption. , but does not include buying a house. If the house price of the first suite has been paid off, it can be used to apply for a mortgage loan for personal consumption, but the money from this loan cannot be used as the down payment for the second suite.

Second, does buying a house after the first suite is sold count as a second suite?

1, the loan to buy a suite has been paid off, and then the loan to buy a house is the first set, but the loan has not been paid off for the second suite;

2. There are two sets of commercial loan records in the personal name, one set has been paid off and the other set has not been settled. At this time, the refinancing is determined to be more than two suites;

3. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans to buy a house before marriage. After marriage, the two want to borrow money together in the name of husband and wife. If the loan has been settled and the loan has not been settled, the loan interest rate and down payment ratio of banking financial institutions shall be more than two suites;

4. In the past, buying a house with a full loan under one's name was not a second suite, but now it is a second suite. Although there is no loan, as long as there is a property in the name of the housing property rights trading system, it is recognized as a second suite, and there is no need to sell it or apply for a loan;

5. There is a loan to buy a house under the name of the individual, and then use the loan to buy a house after paying off the house. In other words, although the property bought by the loan is sold, there is no housing under the family name. Because there was a loan record before, applying for a mortgage will also be regarded as a second suite.

Summary: The above is all that Bian Xiao introduced about whether the first suite can be mortgaged to buy the second suite. I hope I can help you. Presumably, everyone knows something after reading it! If you want to know more relevant information, please pay more attention to Qijia. It will provide you with more complete, detailed and up-to-date information.

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