How to define the first house, the second house?

If you currently have real estate in Beijing and have no loan record, you can calculate according to the second set of provident fund loans, with a maximum loan of 800,000 yuan and an interest rate increase of 10%, I hope it can help you.

There are eight new criteria for the recognition of first homes, and four criteria for the recognition of second homes are as follows:

Criteria for the recognition of the first house:

1. If you have taken out a loan to buy a house, the commercial loan has been settled, and then you have a loan to buy a house - it is the first set.

2. If you have bought a house with a loan and later sold it, you can't find the property through the housing registration system, but you can find the loan record in the bank credit system, and then take out a loan to buy a house - the first set.

3. I have bought a house with full payment and a loan to buy a house - it is the first set.

4. I bought a house in full, and later sold it, and the housing registration system could not find the property, so I took out a loan to buy a house - the first set.

5. There are two commercial loan records under the name of the individual, all of which have been paid off and can provide proof of two houses, in this case, when the loan is refinanced, it is counted as the first set.

6. There is a commercial loan under the individual's name that has been paid off, and the other is a provident fund loan, and at the same time, he can provide proof of housing, apply for a commercial loan and then buy a house - the first set.

7. Husband and wife, one party uses a commercial loan to buy a house before marriage, and the other party uses a provident fund loan to buy a house before marriage, and the two want to take out a joint loan in the name of husband and wife after marriage. If the loan has been repaid, the banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to the borrower's solvency, credit status and other specific factors. For more interpretation of the signing cheats policy, you can pay attention to the real estate agent first*** Beijing real estate world agent.

8. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate in his name, and applies for a loan after marriage to buy a house - the first set.

Criteria for the recognition of the second suite:

1. The borrower applies for the loan to purchase a house for the first time, if the borrower has registered one (or more) complete 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 used the loan to purchase one (or more) house, and then applies for a loan to purchase the house.

3. The lender is convinced that the borrower's family already has one (or more) house through due diligence in the form of credit investigation records, interviews, interviews (if necessary, home visits).

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 the differentiated housing credit policy in accordance with Article 3.

There are four main differences between the first house and the second house: the qualification to buy a house (some cities only allow outsiders to buy one house), the down payment (generally the down payment for the first house is 30%, and the second house is 40%-70%), the loan interest rate (the interest rate for the second house is about twice the high), and the deed tax (the second house is 1%-2% higher than the first house).

In general, there are four differences between a first home and a second home. As follows: 1. The qualifications for buying a house are different and disperse early.

Since some cities only allow outsiders to buy one home, not everyone is eligible to buy a second home. Sun Jingpai, who is not eligible to buy the first house, is envious of the restrictions; 2. The down payment is different; 3. The deed tax is different. The deed tax for a second house is 1 to 2 percent higher than that for the first house; 4. The loan interest rate is different.

The interest rate for a second home is twice as high as the interest rate for a first home.