Does buying a house before marriage count as a second house after marriage?

Changyun Small Loan: Count as a second home.

About the recognition of the second suite:

1. If the parents do not have a house in their name, the child's purchase 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 is no loan, as long as the property can be found in the housing property rights transaction system, if it is not sold and the loan is applied, 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, and use a provident fund loan for a second house.

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, 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.

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 mortgage record can be found in the credit information system of the central bank, even if the property is awarded to one party after divorce, the other party will be recognized as a second house when refinancing to buy a house.

If you have a house before marriage, is it considered a second house to buy a house after marriage?

Legal analysis: each has one house before marriage, and it is not two houses after marriage. Because the house that existed before marriage belongs to the personal property of the husband and wife before the marriage, and the personal property will not become the joint property of the husband and wife because of the marriage unless a special agreement is made.

However, if the down payment is made separately before marriage, registered in their respective names, and then the loan is repaid jointly after marriage, then the joint repayment and the appreciation of the loan are the joint property of the husband and wife. But it's not like an individual owns two homes.

Legal basis: Article 1063 of the Civil Code The following property is the personal property of one of the spouses: (1) the premarital property of one party; (2) Compensation or compensation received by one party for personal injury; (3) Property that is determined in a will or gift contract to belong to only one party; (4) Daily necessities for the exclusive use of one side; (5) Other property that shall belong to one party.

Count as two houses. Housing is generally on a family basis. If you have a house before marriage, you will have a second home after marriage, whether you buy it in your own name or in your spouse's name.

However, the housing purchase policies implemented in different regions are different. Specifically, it is necessary to consult with the relevant departments.

Extended information] The newly introduced standard for second homes is based on the family unit, which recognizes both the house and the loan, and the non-local person must also provide the tax payment certificate or social insurance payment certificate of the place where the house is to be purchased for more than 1 year, otherwise it will be calculated according to the second home loan.

The criteria for identifying a second home are as follows:

1. The number of housing units for resident families in commercial personal housing loans shall be 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).

2. At the request or authorization of the borrower, the real estate department of the municipality directly under the Central Government, the city specifically designated in the state plan, the provincial capital (capital) city and other cities that meet the conditions for inquiry shall conduct an inquiry into the borrower's family housing registration record through the housing registration information system and issue a written inquiry result.

If the borrower is unable to provide the results of the family housing registration inquiry due to the lack of local conditions for inquiry, the borrower shall submit to the lender a written guarantee of good faith for the actual number of family housing units. If the lender verifies that the guarantee of good faith is not true, it shall record it as a bad record.

3. In any of the following circumstances, the lender shall implement the second set (or more) of differentiated housing credit policies for the borrower:

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 the differentiated housing credit policy in accordance with Article 3 of this Circular.

For non-local residents who cannot 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 second set (and above) of differentiated housing credit policies; In areas where commercial housing is too high, too fast, or too tight, commercial banks may suspend the issuance of housing loans to them in accordance with the risk situation and relevant local policies and regulations.

I believe we all know that you can enjoy a more favorable loan interest rate when buying your first home, but if the house you buy is a second house, you can't enjoy a preferential loan interest rate, so if you have a house before marriage and buy a house after marriage, is it considered a second house? What are the criteria for identifying a second suite? Let's take a look!

1. Is buying a house before marriage considered a second house after marriage?

Housing is generally divided into family units, there is a suite before marriage, whether it is purchased in your own name after marriage, or in the name of your spouse, it belongs to the second house, but the implementation of the house purchase policy in each region is different, it is recommended that you consult the relevant departments before buying a house.

2. What are the criteria for identifying the second suite?

1. Parents own a house in their name, and buying a house again in the name of their minor children belongs to the second suite, because according to the latest house purchase policy, family members include buyers, spouses and minor children, that is to say, minor children also belong to the family, so when parents buy a house in the name of minor children, they will be implemented in accordance with the second house policy.

2. If the buyer already owns a house in his name when he is a minor, and applies for a loan to buy a house again after becoming an adult, according to the current house purchase policy, it belongs to the second house, because the buyer does not have the existing property, so the house needs to be implemented in accordance with the second house policy, and the loan interest rate can not be enjoyed.

3. In the past, the house purchase policy only subscribed to the loan, but now there is a new one, not only the loan but also the house, that is to say, if you have purchased a house in full before, and the house purchase record can be found in the housing property rights transaction system, in the case of no existing housing, the second house will be recognized as a second house.

Summary: If you have a house before marriage, is it considered a second house after marriage, and the relevant content is introduced here, I hope to help friends in need. All in all, for buyers who have already purchased a house, it is not possible to enjoy the first home discount when buying a house again, and the second home policy needs to be implemented when buying a house.