1. Parents own real estate, and then buy houses in the name of minor children.
2. When I was a minor, I had a real estate under my name, and I borrowed again to buy a house when I was an adult.
3. buy a house in full in the name of an individual, and then borrow money to buy a house.
4. Buy a house with a personal loan, sell it after the loan is paid off, and then borrow to buy a house.
5. The first time I bought a house, I used a commercial loan. When I bought a house again, I used a provident fund loan.
6. Before marriage, one party borrowed money to buy a house, and after marriage, it applied for a loan in the name of the other party, but their accounts were not together.
7. Get married, the husband and wife get a loan to buy a house together, divorce, and get a second loan to buy a house.
The second suite is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is lower than the local average level, and then applies for housing loans from commercial banks.
The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated as the second home loan.
Basic introduction
First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children);
Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level;
Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.
The second set of housing identification standards are as follows:
First, the number of residential units in commercial personal housing loans should be determined according to the actual number of complete sets of housing units owned by family members (including borrowers, spouses and minor children, the same below) who intend to purchase houses.
Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.
If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.
Three. In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:
(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;
(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;
(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).
IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice.
For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.
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