With the continuous improvement of social and economic level, many people began to buy a second suite after paying off the loan for the first suite. After paying off the loan for the first house, buying the second suite is not the first one, but only the second one. This second suite refers to the second set of ordinary self-occupied housing, and its loan is basically the same as that of the first suite. The only difference between them is the loan percentage and loan interest rate, and the rest of the loan process is the same as the down payment house.
It is best to choose a provident fund loan when buying a second suite, because you can still enjoy preferential policies by using provident fund loans. However, the first suite must use commercial loans, while the second suite can enjoy the preferential policy of the first loan of provident fund. If both suites use provident fund loans, they can only enjoy the preferential policy of the first loan if they pay off the remaining first loan.
Method of identifying the first suite
1, the loan has already bought a suite, the commercial loan has been settled, and the second loan to buy a house is the first set.
I bought a suite with a loan and later sold it. I can't find the property through the house registration system, but I can find the loan record in the bank credit information system, and then I can borrow money to buy a house.
3. I bought a suite in full, and the loan to buy a house is the first set.
I bought a suite in full and sold it. The housing registration system can't find the property, so the loan to buy a house is the first set.
5. There are commercial loan records of two suites in the name of an individual, both of which have been paid off and sold, and two sets of certificates for selling houses can be provided at the same time. In this case, the first loan will be counted.
6. A commercial loan in the name of an individual has been paid off, and another provident fund loan has been sold. At the same time, you can provide proof of housing sale, and applying for a commercial loan to buy a house is the first set.
7. Husband and wife, one party buys a house before marriage and uses a commercial loan, while the other party buys a house before marriage and uses a provident fund loan. After marriage, the two want to jointly borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.
8. One spouse has a house before marriage but no loan record, and the other spouse has a loan record before marriage but no real estate under his name. Buying a house and applying for a loan after marriage is the first set.