Does one house per couple count as two suites?

In real life, this question often arises, if one of the husband and wife has a house in his name before marriage, will it be recognized as a second house when the husband and wife buy a house after marriage? Many people are more confused about this problem, and they are also more concerned about the issue of paying taxes on real estate after marriage, and today we will explain this problem in detail.

Is a house before marriage considered a second home?

Buying a house before marriage and buying a house after marriage is considered a second house, and the number of houses purchased is based on the family unit.

1. "Second suite" is the abbreviation of the second ordinary self-owned house, which refers to the housing loan house that is identified by the borrower's family (including the borrower, spouse and minor children) as a unit, and the per capita housing area of the borrower's family is higher than the local average, and the borrower's family applies for a housing loan again.

2. Criteria for the identification of second suites:

1) The borrower applies for the first time to use a loan to purchase a house, if the borrower's 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) in the housing registration information system of the place where the house is to be purchased;

2) The borrower has already used the loan to purchase one (or more) housing and then applies for a loan to purchase the housing;

3) The lender is convinced that the borrower's family already has one (or more) housing through due diligence in the form of credit investigation records, interviews, interviews (and visits when necessary);

4) For non-local residents who can provide proof of local tax payment or social insurance payment for more than one year to apply for housing loans, the lender shall implement differentiated housing credit policies in accordance with Article 3.

Since the real estate is recognized as a family unit, the pre-marital property is also the property of the family, and it will also be recognized as a second house when buying a house again. In cities where property tax is payable, the portion of the house that exceeds the per capita floor area is also taxable. The above is some introduction to the second home identification policy and tax payment policy, I hope I will help you.

Land transfer money. This is used as a basis for receiving land revenue and making appropriate compensation.

In cities where purchase is restricted, the husband and wife each have a house in their name, and you can't buy a house, and you are restricted from buying. The first house is bought early, and the second house is bought late, subject to the time of property registration.

The calculation of one or two suites is calculated as a family unit, and one set for each husband and wife is counted as two suites!

Did you buy it after you got married?

[Legal Analysis]: Each has a second house after marriage, and the second house can be judged according to the situation: 1. The loan has bought a house, and the commercial loan has not been liquidated two sets.

2. There are two commercial loan records under the individual's name, one has been paid off, and the other has not been paid off, and then the loan is counted as two sets.

3. One of the husband and wife buys a house before marriage and uses a commercial loan, and the other party uses a provident fund loan to buy a house before marriage, and after marriage, the two want to take out a joint loan in the name of the husband and wife.

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 did not have a household registration 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, in addition to the borrower's household registration book, the bank will also require the borrower to provide proof of marital status when approving the loan, and married couples cannot provide proof of singleness, so the other party will also be counted as a second home when buying a house.

Legal basis: Article 210 of the Civil Code of the People's Republic of China The registration of immovable property shall be handled by the registration authority where the immovable property is located.

The State implements a unified registration system for immovable property. The scope of unified registration, registration bodies, and registration methods shall be prescribed by laws and administrative regulations.

Legal Analysis: Count. This is because the number of housing units for resident families in commercial personal housing loans is determined based on the number of complete housing units actually owned by the members of the family (including the borrower, spouse and minor children, the same below).

Legal basis: Notice on Standardizing the Identification Standards for the Second Housing in Commercial Personal Housing Loans Article 1 The number of housing units for resident families in commercial personal housing loans shall be determined according to the number of complete housing units actually owned by the members of the family (including the borrower, spouse and minor children, the same below).