Therefore, if the customer has already applied for a mortgage and can find the record in the credit report, then buying a house will naturally be recognized as a second suite.
Also, if you can find out in the housing registration information system where the house is purchased that the customer's family has registered the house, even if you apply for a loan to buy a house for the first time, it will be implemented in accordance with the second home loan policy.
We also need to note that even if the husband and wife divorce, there is no name on the real estate license. As long as there is a mortgage record on the credit report, then buying a house is usually considered as a second suite. Also, parents buy a house for their minor children, and the name of the child is written on the real estate license. If a child buys a house by himself as an adult, it will generally be counted as a second suite.
What is the interest rate for the second home loan?
From 20 1 1 year 10, the State Council requires financial institutions to implement differentiated credit for housing loans. For families who buy a second home, the down payment ratio of mortgage shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.
Commercial mortgage second home loan interest rate:
1, general grant interest rate: 5.88% (1.2 times the benchmark interest rate)
2. Lowest interest rate: 5.39% (1. 1 multiple of the benchmark interest rate).
3. Maximum interest rate: 6.37% (65438+ 0.3 times the benchmark interest rate)
Interest rate of provident fund second home loan
1, within 5 years (inclusive): 3.025% (1. 1 times of the benchmark interest rate of 2.75%)
Loans with a term of more than 2.5 years: 3.575% (1. 1 multiple of the benchmark interest rate of 3.25%)