I have a household registration book with my parents, and if my parents have a house in their name,

Not counted. 1. If the parents do not have a house in their name, the child's purchase of the house is the first house.

If the parents already have a property in their name, the child will buy a second home.

2. Seven situations identified by the bank as a second suite.

1. If the parents have a house in their name, they will buy a house in the name of their minor children.

Details: According to the new policy, family members include the borrower, spouse and minor children, i.e. minor children are also classified as family. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second home policy.

2. When you are a minor, you have a property in your name, and then you can take out a loan to buy a house when you are an adult.

Explanation: According to the current bank"Subscribe to the loan and the house"If you do not have an existing property, the refinancing to buy a house is a second house, and it will be implemented in accordance with the policy of the second house. According to the past policy, as long as there is no loan for the property when the minor, the application for a mortgage is not considered a second set.

3. If you have a house purchased in full under your name, you can buy a house with a loan.

Explanation: In the past only"Pledge", this case is not considered a second house, but now it has been added"Acknowledging the room", although there has been no loan, but as long as it is in the property right of the house.

If you can find out that you have a property in your name in the transaction system, if you do not sell it and apply for a loan, it will also be recognized as a second house.

4. If you have a loan to buy a house under your name, you can take out a loan to buy a house after you settle it.

Details: At present, the bank identifies the second house as yes"Recognize the house and the loan"That is to say, although the property purchased with a loan is no longer in the name of the family, because it has a previous loan record, applying for a mortgage will also be counted as a second house.

5. Use a commercial loan for the first time to buy a house.

Use a CPF loan to buy a house again.

Details: At present, the provident fund loan policy is also relatively strict, as long as the borrower has a housing loan record, regardless of whether the mortgage is paid off, whether the property is **, even if the provident fund loan has never been used, the first application for a provident fund loan will be counted as a second house.

6. One party had taken out a loan to buy a house before marriage, and after marriage, he applied for a loan to buy a house in the name of the other party, but the two were not together.

Detailed explanation: Although the husband and wife did not have a household registration after marriage, they had a marriage registration at the Civil Affairs Bureau. Now, banks require borrowers to provide proof of marital status in addition to their household registration books when approving loans.

Married couples are not allowed to provide proof of singleness.

, so the other party will also be counted as a second home when they buy a house.

7. After marriage, both parties jointly take out a loan to buy a house, and one party applies for a loan to buy a house after divorce.

Explanation: As long as the central bank's credit system.

If the mortgage record can be found, then even if the property is awarded to one party after the divorce, the other party will be recognized as a second house when they take out a loan to buy a house.

Not counted. According to the regulations, the parents are a family, and the parents, according to the name of the house, do not buy a second apartment, according to the regulations, there are only two of the following two:

1.Own your own house and buy a house for your adult children.

If the property certificate of the parents' house is written in the name of the adult child, then the second is the purchase of the child; Otherwise, the first group.

2.He has his own house, which he bought in the name of a minor.

Under the new policy, family members include borrowers, spouses and minor children, or children of minors, who are family members. Therefore, when applying for a loan in the name of a minor, it will be implemented in accordance with the second home policy.

3.When a child was a minor, he owned a house, and then he borrowed money to buy a house.

According to the current bank's "recognition of loans", if you do not have an existing property, refinancing to buy a house belongs to the second bedroom, and the second housing policy will be followed. If, according to the policy of the past, when the property of a minor is not loaned, a mortgage is applied for instead of two.

4。There is a wide variety of housing and refinancing purchases.

Borrowed "only know that in the past, this situation was not a second home, but now a "room" has been added, although not borrowed, but as long as the name of the property can be checked in the housing title transaction system, in the sale and application for loans, it can also be considered a second home.

5.Loan to buy a house, settlement loan to buy a house.

The bank for the second home is "credit card house and loan", that is, although the household name does not have a house after taking out a loan to buy a house, because it has a previous credit history, the mortgage application will be counted as two houses.

6.Buy a house with a business loan for the first time and then buy a house with your CPF.

The CPF loan policy is strict, as long as the borrower has a mortgage record, whether it is a mortgage settlement, real estate sales, or even never using a CPF loan, the first application for a CPF loan is counted as a second home.

7.Before getting married, one party borrowed money to buy a house. After getting married, the other party buys in the name of the other party, and the accounts are not together.

After the couple got married, although their household registration was not grouped together, they registered their marriage with the Civil Affairs Bureau. In addition to requiring the borrower to provide a hukou book, the bank also requires the borrower to provide a marriage certificate in the loan approval, and married couples cannot provide a single certificate, so when the other party buys it, it will be regarded as a second home.

8.After we got married, we bought a house together and another after the divorce.

As long as the bank's credit system can check the mortgage records, even if the property is awarded to one party after the divorce, the other party will be considered a second home at the time of the loan. This has led many people to try to circumvent the new agreement through a "fake divorce".

9.They have commercial apartments and ordinary residences.

Under these conditions, the second house can be regarded as the first home, saving a lot of money!

If your parents have a house in their name, buy a second house, see whose name this house is, if it is still your parents' name, of course it is a second house, if you write your name, of course it is a house.

Hello, whether the house is a second house depends on whether you have a property in your name and whether it is a co-owned property.

Hello, whether the house is a second house depends on whether you have a property in your name and whether it is a co-owned property.

Hello. The following seven types of situations can be regarded as a second home: 1. Parents have a house in their name and buy a house in the name of their minor children.

The new policy stipulates that family members include the borrower, spouse and minor children, that is, minor children are also classified as family, so when buying a house in the name of minor children, it will be implemented in accordance with the second house policy, that is, a down payment of 50 is required, and the interest rate is doubled. 2. When you are a minor, you have a property in your name, and then you can take out a loan to buy a house when you are an adult. 3. If you have a house purchased in full under your name, you can buy a house with a loan.

4. Have taken out a loan to buy a house, and then take out a loan to buy a house after settling it. 5. Use a commercial loan for the first time to buy a house, and then use a provident fund loan to buy a house. 6. One party takes out a loan to buy a house before marriage, and the other party takes out a loan to buy a house after marriage.

7. After marriage, both parties jointly take out a loan to buy a house, and one party applies for a loan to buy a house after divorce.

Questions. My parents have real estate in their names, but their hukou is with my parents, the real estate is not in my personal name, and I am an adult, I have never bought a house, and I have not taken out a loan.

That's not a second home.

It's the first set. Questions.

The down payment for the first home is now in the tens of percent.

The down payment is the first down payment when buying a house, and the amount should generally be more than 30% of the total price of the house.

Questions. What will be the interest rate on the loan.

1. At present, China's relatively large banks include Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of Communications and Postal Savings Bank, and the interest rates of these relatively large banks are based on the benchmark interest rate of the central bank. 2. The interest rate for more than one year (including one year) is; The interest rate for one year to five years (including five years) is; Interest rate for more than five years; The interest rate for CPF loans for less than five years (including five years) is the interest rate, and the interest rate for more than five years is the interest rate. 3. The bank's loan interest rate is implemented according to the central bank's benchmark interest rate, fluctuating up and down within the specified range, if the bank handles a housing loan, the loan interest rate is generally a multiple of the benchmark interest rate, that is, the mortgage interest rate in a few areas exceeds 6, if the second home loan is handled, the mortgage interest rate will be higher.

Have a household registration book with your parents, and if your parents have real estate in their names and buy a second house, if your parents buy it, it is a second house, and if you buy it yourself, it is not a second house.

It is the same household registration book with your parents, and your parents have a house in their name, but if you buy a house, this household name is written in your words, and the real estate certificate is yours, this is not a second house, this should be a house in your name.

There are two situations, if the child is a minor, the purchase of a second house is counted; If the child is an adult, buying another house is not considered a second home.

Your parents bought a second house, and if you bought it, it was your first house. So who does the head of the household write?

Of course not, your parents are not the same thing as you, you can buy it for yourself.

The real estate certificate writes the name of the parents, and the purchase of a commercial house by the child is not a second house, unless the parents' house has been transferred to the child.

No, the house bought by the parents is in the name of the parents, and the children buy it in the name of the children, so the house bought by the children cannot be counted in the name of the parents and does not belong to the property of the parents.

If the parents have a house in their name, the child will not be considered a second house if they buy a house, and some cities have a policy that if they do not buy a house in one district, it will be considered the first house.

It was in your parents' name before, and if it is in your name to buy a house again, it is not considered a second home.

No, it mainly depends on whose name the real estate certificate is registered, and the house in your parents' name has nothing to do with you.

If the parents' house is not in the child's name, the child's house should not be counted, and if so, it will be counted.

See if the children are adults, adults are not considered second homes.

The second home has nothing to do with the fact that it is not in the same household register. The name of the first house is your parents', without your name, and the second house is your name without the name of your parents, then it is all a suite, not a second suite. If you continue to buy a house, it will be a second home, and the associated taxes and down payment will increase.

Have a household registration book with your parents, they have a house in their name, if you go to buy a house, it is not a second home, if it is your parents who buy a house, it is a second house.

Hello, with your parents a household registration book, your parents have a house in their name, and then buy it may not be a second house, you have to go to the real estate transaction center to consult.

Your parents have a house, and if you buy a house with your name written on it, it has nothing to do with your parents, so it is not considered a second house.

If you are over 18 years old, and then buy a house, it is not a second house under your name, but your first house, and you can enjoy the first first mortgage.

If the niece goes to buy a house, she can set up another household registration by moving out the child's hukou, then it is not a second house, as an adult child, it is his first house, and that's it.

What does your parents' property have to do with you? As long as you don't own a property in your name, you can enjoy a low interest rate and a low down payment when you buy a property.

The household registration in ** does not mean that the owner of the house is also you, and you should need your own real estate certificate to calculate it.

Adult children can enjoy their own independent qualifications to buy a house, and there is no conflict with their parents' qualifications to buy a house!