1. If a home buyer takes a mortgage loan to purchase a commercial house, if the loan is not paid off, according to the latest policy in 2015, the second home policy will be implemented, and the minimum down payment ratio will be adjusted to no less than 40%. The period of business tax exemption for housing transfers has been reduced from the period of purchase of a house for more than 5 years (including 5 years) to more than 2 years (inclusive of 2 years). 2. The latest standards for the identification of first-time home owners: 1. Having purchased a home with a loan and the commercial loan has been paid off, and then another loan is used to buy a home - it is considered the first home. 2. After buying a house with a loan and then selling it, the property cannot be checked through the house registration system, but the loan record can be found in the bank's credit system, and then the house is bought with a loan - it is considered the first house. 3. Buying a house with full payment and taking out a loan is considered your first house. 4. After buying a house with full payment and then selling it, if the property cannot be found in the house registration system, you can then take out a loan to buy a house - it is considered your first house. 5. If you have two commercial loan records under your name and all have been paid off, and you can provide proof of the sale of the two houses at the same time, when you refinance in this case - it will be counted as the first house. Lu, I have a commercial loan in my name that has been paid off and another provident fund loan that has been sold. I can provide proof of the sale of the house and apply for a commercial loan before buying a house - it is considered my first house. Qi, a couple used a commercial loan to buy a house before marriage, and the other used a provident fund loan to buy a house before marriage. After marriage, the two want to take out the same loan in the name of the couple. If the loan has been paid off, banking financial institutions can use credit based on the borrower's solvency. Flexibly grasp the loan interest rate and down payment ratio based on specific factors such as the situation. Well, one of the couple had a house before marriage but no loan record; the other had a loan record before marriage but no real estate in their name. After marriage, they apply for a loan to buy a house - it counts as the first three houses. The latest identification standard for second houses is due to the introduction of the policy of admitting loans but not houses. The definition of a second house should be simpler: 1. If you have purchased a house with a loan and the commercial loan has been paid off, then you can take a loan to buy a house - it will be counted as the first house. If the loan has not been paid off, it will be counted as the second house. 2. There are two commercial loan records in the personal name. One has been repaid and the other has not been repaid. At this time, the re-loan is considered to be more than two homes. 3. One of the couple used a commercial loan to buy a house before marriage, and the other used a provident fund loan to buy a house before marriage. After marriage, the two want to take out the same loan in the name of the couple. If the loan has been paid off, the banking institution can repay it according to the borrower. Specific factors such as ability, credit status, etc. can flexibly grasp the loan interest rate and down payment ratio. If the loan is not repaid - it is considered as a second home or more. 4. Recognize the loan but not the house. On September 30, 2014, the Central Bank and Banking Regulatory Commission issued the "Notice of the People's Bank of China and the China Banking Regulatory Commission on Further Improving Housing Financial Services". The notice clearly pointed out the interest rate for first home loans. Banking financial institutions implement a first-time home loan policy with the lower limit being times the benchmark loan interest rate for households that own a house and have paid off the corresponding home purchase loan in order to improve their living conditions and apply for a loan again to purchase ordinary commercial housing. At the same time, banking financial institutions that apply for loans to purchase housing should carefully grasp and specifically determine the down payment ratio and loan interest rate based on factors such as the borrower's solvency and credit status. "Recognize the loan but not the house" means that when defining a second home, if the buyer has registered a loan to buy a house in the bank's credit system and the loan has not been settled yet, then when he applies for a loan to buy a house, the house will be defined as a second home. or above. If all loans have been paid off, banking financial institutions will still implement the first home loan policy even if the buyer already has a home in his name. If the buyer already has two or more houses in his name and has settled the corresponding house purchase loan and then applies for a loan to purchase a house, banking financial institutions can flexibly control the loan interest rate and down payment ratio based on specific factors such as the borrower's solvency and credit status. Assuming you have a house in your name and no loan or the loan has been paid off, you can enjoy the first home loan policy when buying a house again. However, if the loan is not paid off, the second home policy will be implemented. It is worth mentioning that the criteria for identifying first, second and third houses are all based on family units. A family is composed of three types of people, including the spouse and minor children. As long as a family has an outstanding mortgage loan and then buys a house, it is called a second and third house, which is also considered as a family unit. 5. According to the "Notice of the People's Bank of China and the Bank of China Banking Center Credit Card Center Credit Card Application Industry Regulatory Commission on Further Improving Housing Financial Services" issued by the Banking Regulatory Commission of the People's Bank of China, the notice clearly states that the lower limit of the first home loan interest rate is the loan benchmark interest rate. 0. Paint times. Families who own a house and have paid off the corresponding home purchase loan will apply for a loan again to purchase ordinary commodity housing in order to improve their living conditions. Banking financial institutions will implement the first home loan policy and also in cities where purchase restrictions have been canceled or have not been implemented.

For families that own two or more homes and have paid off the corresponding home purchase loans, and then apply for a loan to purchase a home, banking financial institutions should carefully grasp and specifically determine the down payment ratio and loan interest rate based on factors such as the borrower's solvency and credit status.< /p>