1. If there is only one mortgage-free property, and the second suite is purchased by after-sale mortgage, it is deemed as the first suite. In this case, you can provide a real estate sales tax bill and apply for the first home loan;
2. At present, most banks can make a down payment of 30% for the first home loan, and the interest rate is calculated according to the benchmark interest rate (7.05% for more than five years). Some commercial banks have suspended the second-hand mortgage business at this stage, and some banks also require the interest rate of the first home loan to rise by 10%.
3. Originally, there were two properties, neither of which had a loan record or neither of which had a loan record, so it was counted as a second suite. In this case, after selling a property, if citizens want to mortgage the house again, they will provide a property transaction tax bill, and the bank will handle the mortgage loan according to the second home loan. 60% down payment, and the interest rate will rise at least10% according to the benchmark interest rate;
4. Applying for provident fund loan is also calculated as 60% down payment, and the loan interest rate is 1. 1 times of the provident fund loan interest rate.
Extended data
Criteria for judging the second suite
1. Loan to buy a suite, you can find the housing through the housing registration system, and then borrow money to buy a house, which counts as two sets.
I bought a suite with a loan and later sold it. You can't find the real estate through the house registration system, but you can find the loan record in the bank credit information system, and then loan a house, which counts as two sets.
3. I bought a suite in full and sold it, but the house registration system can't find it. Then buy a house with a loan, not counting two sets.
4. I bought a suite in full, and I can check the property through the house registration system. There are two sets of loans to buy a house.
5. If the local area does not have the query conditions of the housing registration system for the time being, and the bank conducts due diligence to verify that the purchaser already owns a house, then buying a house is also considered as two sets.
Seven conditions for the bank to identify the second suite.
1. If parents have a house, buy another house in the name of minor children;
2. Have a property under the name of a minor, and then borrow money to buy a house after adulthood;
3. If there is a house purchased in full under the name of the individual, then borrow money to buy a house;
4. There is a loan to buy a house under the name of the individual, and then the loan is purchased after the sale;
5. Use commercial loans for the first purchase and provident fund loans for the second purchase;
6. One party borrows money to buy a house before marriage, and applies for a loan to buy a house in the name of the other party after marriage, but the two accounts are not together;
7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house.
Refer to Baidu Encyclopedia-Second Suite