What does number of units mean in real estate?

It is to define "first home" and "second home".

This number of sets is the measure word of the house. A house.

A house has a copy of its title deeds.

One house, two houses. Stupid.

1. The determination of the number of housing units purchased is based on the query results of the personal credit reporting system of the People's Bank of China, and the number of housing units (including settled and provident fund loans) of the borrower's family is determined.

2. At the same time, the borrower is required to apply to the real estate authority (including the housing registration agency) at the place where the house is purchased to make a housing registration inquiry under the name of a family member (borrower, spouse and minor children) to determine the number of units.

3. Among them, recognizing the house refers to seeing whether the buyer has registered information in the local housing registration system. Loan subscription refers to whether the buyer has registered the information of the loan to buy a house in the bank credit system.

The standard for determining the number of housing units purchased is to determine the number of housing units (including settled and provident fund loans) of the borrower's family based on the query results of the personal credit reporting system of the People's Bank of China, and at the same time, the borrower is required to apply to the real estate department (including the housing registration agency) at the place where the house is purchased for housing registration inquiries under the names of family members (borrowers, spouses and minor children) to determine the number of units.

At present, the number of housing units is not determined: When the borrower's family applies for a housing loan, the borrower's family can provide a written "Letter of Integrity Guarantee" or relevant inquiry proof to determine the number of housing units.

Preferential policies for buying your first home.

1. The down payment ratio is lower.

If you want to take out a loan to buy a house, it is certain to pay a down payment, if you are a first home, the down payment ratio is lower than that of a second home, for example, the down payment ratio of the first home is 30% of the house price, then the down payment ratio of the second home is at least 40% of the house price. Nowadays, housing prices are getting higher and higher, and it is not easy to save enough for a down payment, and a 10% down payment difference is a lot of money for many young people.

2. The loan interest rate is more favorable.

There will be interest on the loan, and the interest is also a significant expense for home buyers. In most cities, the interest rate for first home loans is now 10% above the benchmark rate, while the interest rate for second home loans is 20% above the benchmark rate.

3. Reduce the tax on the deed cherry blossoms.

Friends who have bought a house know that deed tax must be paid when buying a house, which is a prescribed policy. When there is a change in the ownership of the house, a deed tax is levied on the new owner, which is generally 3%-5%. The first home can enjoy deed tax relief, for example, for the first purchase of an ordinary house with an area of less than 90 square meters, the tax rate is only 1%.

To buy a house before marriage, you must first determine how many people's names you wrote at that time, and there are several situations below:

1.Write your name and your wife's name, no matter who you buy now, it is a second house, whether you sell it or the loan is paid off, the current policy is to recognize both the house and the loan, as long as the bank has a house loan record or the real estate bureau has your real estate registration record, then buy it is a second house.

2.If only your name is written, after marriage, if you want to buy a house again, you can divorce first, and push the house all on you in the divorce judgment or divorce agreement, so that buying a house in your wife's name after the divorce is still considered a house, and then remarry.

3.You don't have a loan once, so it can be seen that the house you bought before marriage was a one-time payment, so you go to buy a house in other places and still count it as a house, because many banks do not check the records of the real estate bureau in other places.

4.Commercial and residential do not go together, do not need to consider.

5.You're not in Beijing, I've heard that Beijing is now implementing a household registration book, and a household registration book is a smart home for a family. However, you have two more household registration books that indicate that you have gone out alone, so you don't need to consider this situation.

The main thing now is the trouble of the house before marriage.

Hope this helps!!

There's only one house at the moment, right? If you are talking about commercial land, then it is not considered an ordinary residence. Count the first set.