If the first house is sold, and then buy another one, is it considered the first one?

Sell your first house and buy a new houseFirst home

If the transfer has been completed and the transfer has been completed, that is, there is no property in the name, then the house purchased with the second loan is the first home. If it has been sold but has not yet completed the transfer, it proves that the house is still in your name, and the house purchased again is a second home.

Definition of the first home.

1. The only house purchase by a family is often referred to as the first house purchase, which refers to the number of housing units that citizens do not have a residence under the name of a family unit, and the number of housing units specifically refers to the houses with planned use as residences, excluding commercial office and other types of houses that are not limited to purchase.

2. In banks that are more lenient in the recognition of "first homes", as long as the mortgage applied for by citizens has been paid off, the reloan can be counted as the "first set".

3. In slightly stricter banks, citizens will pay off the mortgage they have previously handled, and the house has not been sold, and then the house loan is still counted as the "second set", but if the house has been sold and the loan has been paid off, the house loan can be counted as the "first set".

4. In banks with strict standards for the "first set", as long as the citizen has applied for a housing loan before, regardless of whether it has been paid off or not, and whether the house purchased before has been sold, the loan for buying a house and applying for a house must be counted as a "second set".

If the loan has been paid off to buy a house, the commercial loan has been paid off, and the refinancing to buy a house will be counted as the first house, and if the loan has not been settled, it will be counted as a second house.

Criteria for the recognition of the first house: the loan has bought a house, the commercial loan has been settled, and the refinancing to buy a house is counted as the first set. I took out a loan to buy a house, and later sold it, and I couldn't find the property through the housing registration system, but I could find the loan record in the bank credit system, and then I took out a loan to buy a house.

I have bought a house in full, and the loan to buy a house is the first one. 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 the first house. The individual has a commercial loan record of two houses under his name, all of which have been paid off and **, and can provide proof of two houses**, in this case, the first house is counted when refinancing.

There is a commercial loan in the name of the individual that has been paid off, and the other is a provident fund loan, and at the same time can provide proof of housing, and applying for a commercial loan and then buying a house is counted as the first set. Husband and wife, one party used a commercial loan to buy a house before marriage, and the other party used a provident fund loan to buy a house before marriage, and after marriage, the two wanted to jointly take out a loan in the name of husband and wife. If the loan has been paid off, 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, one party has a house before marriage but no loan record, the other party has a loan record before marriage but no real estate in his name, and the first set of loans for buying a house after marriage is counted.

In addition, if an individual has a house purchased in full under his name and refinances to buy a house, in the past, he only subscribed for a loan, so this situation was not considered a second suite, but now he has added a mortgage, although he has not taken out a loan, as long as he can find out that there is a property in his name in the housing property rights trading system, he will also be recognized as a second house if he does not sell it and applies for a loan. One of the husband and wife used a commercial loan to buy a house before marriage, and the other party used a provident fund loan to buy a house before marriage.

Legal analysis]: count, the first house is sold and then bought a set is counted as the first set, the loan has bought a house, the commercial loan has been settled, the first set of refinancing to buy a house, if the loan has not been settled, it is counted as a second suite, and the commercial loan record of two suites under the name of an individual has been paid off and the other has not been paid off, and the reloan is recognized as more than two suites.

The differences between the first and second homes are:

1. Loan difficulty: The difficulty of the second home loan will be much more difficult than the first home loan;

2. Loan amount: The loan amount of the second home loan is much lower than that of the first home;

3. Loan interest rate: The loan interest rate of the second home loan is much higher than the loan interest rate of the first home;

4. Deed tax ratio: 1% will be levied on the area of the first house within 90 square meters, and 3% will be levied on the second house.

The criteria for determining the first home in an unrestricted city are:

1. If you take out a loan to buy a house and then sell 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.

2. If you have purchased a house in full, the loan to buy the house is the first set;

3. There are two suites under the individual's name, but the loan has been paid off, and the other is a provident fund loan, and at the same time, the proof of housing can be provided to apply for a commercial loan and then buy a house is counted as the first set;

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

Legal basis]: Notice of the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission on Standardizing the Identification Standards for the Second Housing in Commercial Personal Housing Loans Article 3 In any of the following circumstances, the lender shall implement the second (or more) differentiated housing credit policy for the borrower: (1) The borrower applies for the first time to use the loan to purchase housing, such as in the housing registration information system (including the pre-sale contract registration and filing system) in the place where the house is to be purchased. The same below) has registered one (or more) complete sets of housing; (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).

1. Is it considered the first house to buy the second house after the first house is sold?

1. Whether the first house is sold and the second house is considered the first house is as follows:

1) The loan to buy a suite, the commercial loan has been settled, and the refinancing to buy a house is counted as the first set;

2) If the individual has a commercial loan record of two suites, one has been paid off and the other has not been paid off, and the re-loan is recognized as more than two suites;

3) If an individual has a house purchased in full under his name, and then takes out a loan to buy a house, but as long as he can find out that he has a house in his name in the housing property rights trading system, he will be recognized as a second house if he does not sell it and applies for a loan; If you have a loan to buy a house in your name, you will be counted as a second house if you take out a loan to buy a house after you settle it, and then apply for a mortgage.

2. Legal basis: Article 32 of the Law of the People's Republic of China on the Administration of Urban Real Estate.

When real estate is transferred or mortgaged, the ownership of the house and the land use right within the scope occupied by the house are transferred and mortgaged at the same time.

Article 36.

For the transfer or mortgage of real estate, the parties shall handle the registration of ownership in accordance with the provisions of Chapter V of this Law.

2. What are the precautions for opening the first house?

The precautions for opening the first house certificate are as follows:

1. If it belongs to a rural household registration, then the first house certificate must also be issued a rural household registration;

2. The certificate of the first house must be issued by the housing management bureau at or above the county level, if it is a rural household registration, it can also be opened in the village committee, and then stamped by the relevant departments in the town, and finally it needs to be stamped in the county;

3. The first house certificate issued must have the organization of the housing management department where it is located, and there should also be the contact of the person who handles the first house certificate for you, and then the receiving department will check it.

If the first house is sold, then another set is bought and the first house is counted. First of all, if the first house is sold, the transfer has been completed, and there is no real estate in the name, then buying a house can still be counted as the first house.

Yes, you can continue to enjoy the preferential policy of the first home.

Secondly, buying a house is based on a family unit, and if one of the spouses has a house, the title deed.

The name on it says that one of the parties, and the other party buys a house, even if it is a second house, it cannot be regarded as the first house, and it cannot enjoy the preferential policy of the first house.

In addition, if you want to enjoy the preferential policy for the first house, you need to meet the conditions, which need to be met: the buyer is at least 18 years old; The house bought is an ordinary house of 90 square meters and below (ordinary housing of 90 square meters and below is a preferential deed tax rate of 1%), and the first house purchased in most cities can enjoy a down payment of 30%, and the down payment ratio of the second house basically needs to reach more than 60%.

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Legal analysis]: Count, the house under the name is sold and then bought, you need to look at the definition conditions of the first house: 1. The loan has bought a house, the commercial loan has been settled, and the loan to buy a house is counted as 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, and then you can take out a loan to buy a house, which is the first set. 3. If you have bought a house in full and bought a house with a loan, 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, which is the first set.

Legal basisArticle 63 of the Law of the People's Republic of China on the Administration of Urban Real Estate shall be determined by the people of provinces, autonomous regions and municipalities directly under the Central Government, and the local people at or above the county level shall be responsible for real estate management and land management by a unified department, and may make and issue a unified certificate of real estate rights, and in accordance with the provisions of Article 61 of this Law, the ownership of the house and the confirmation and change of the land use right within the scope occupied by the house shall be included in the real estate right certificate respectively.