How much is the down payment for the second suite?
The minimum down payment for the second suite is more than 40%. Second suite definition standard:
1. Loan to buy a suite, you can find the housing through the housing registration system, and then borrow money to buy a house-two sets.
2. If you buy a suite with a loan and then sell it, you can't find the property through the house registration system, but you can find the loan record in the bank collection system and then borrow money to buy a house-two sets;
3. If you buy a suite in full, you can find a house through the house registration form system and buy a house with a loan-two sets.
4. If you buy a suite in full and then sell it, the house registration system can't find the property, and then you borrow money to buy a house-the first set.
5. If the local area does not have the query conditions of the housing registration system for the time being, the bank will conduct due diligence to verify that the purchaser has a house before buying a house-two sets.
6. There are two commercial loan records in this person's name, one has been paid off and the other has not been paid off. At this time, refinancing will be identified as the third suite.
7. There are commercial loan records of two suites under the name of this person, all of which have been paid off and sold, and at the same time, proof of the sale of two houses can be provided. In this case, although there is no room in the name of the person, it will be regarded as a third suite when refinancing.
8. A commercial loan for one suite under the personal name has been paid off, and another provident fund loan has also been paid off. At this time, whether you apply for a provident fund loan or a commercial loan to buy a house, it is counted as three suites.
What should I pay attention to when buying a second suite?
1. First, ask the seller to provide the original legal property right certificate, and go to the housing management department to inquire about the authenticity of the property right certificate, as well as the property right source and property right record of the purchased property. Including the owner, registration date, transaction price, etc. It is also necessary to confirm the integrity of the seller's property rights and know whether the purchased house has been mortgaged and shared with others. Pay attention to whether the owner and seller on the real estate license are the same person. Secondly, it is necessary to find out whether the source of the purchased house belongs to the house that is allowed to be sold. Generally speaking, the public houses of troops, hospitals and schools must be sealed by the original unit before they can be sold.
2. Unlike commercial housing, the sale of second-hand housing is generally a "case". Therefore, related prices, housing conditions, etc. , all need consumers themselves or their own entrusted institutions to understand in detail. Before deciding to buy, consumers should carefully observe whether the apartment is reasonable, whether all kinds of management are in place, and whether the power supply capacity can load large household appliances such as air conditioners. Check the ceiling for signs of water seepage, and the walls for obvious problems such as bursting or peeling. Some even ask about the level of community security, property management fees and charging standards.
3. Consumers should never forget to know how long the house has been purchased and how long the land use period is; Are there any arrears, such as property management fees, utilities, gas fees, etc. On the basis of mastering the basic situation of housing, consumers should compare and judge the value of second-hand housing from many aspects. You can also entrust a trusted intermediary or evaluation agency to evaluate whether you can make a second-hand housing mortgage loan. Under normal circumstances, banks will make a hedging assessment when mortgage loans, and this price can show the lowest hedging price of houses.