If I sell the house under my name and buy a house again, is it considered my first home?

The loan to buy a house, and the loan from the financial institution has already been settled, and then the loan to buy a house is considered the first house.

I took out a loan to buy a house, and then sold it, but I couldn't check the real estate records in the housing registration system, and then I took out a loan to buy a house, which is considered the first house. (due to the current policies in different regions) buy a house in full payment, and then take out a loan to buy a house, which is considered the first house. I bought a house with full payment and then sold it, but I couldn't find the real estate record in the housing registration system, and then I took out a loan to buy a house, which is considered my first house.

Business services loan to buy a house, but the loan has long been settled, and there is also a personal provident fund loan.

It has already been sold, and at the same time, it can be confirmed that the housing **, and then take out a loan to buy a house, which is considered the first house. Naturally, this is only a rough identification standard, which is different in each city, and it should actually be defined according to the relevant policies of the city where the house is purchased. Note that:

The first home is not necessarily the same as the only home. The common denominator between the two is that one of the criteria for the joint identification of the first house and the only house is whether there is a general commercial house under the household of the main members of a family (including couples and minor children) and within the same province or region.

Let's look at it from another perspective: if when buying a new house, all the main members of the family have other general commercial houses under one person, then the assessment of the first house and the only house is the same - it is not the first house, not the only house. **The first house assessed by the agency must be in the core real estate property rights and the real estate information inquiry system does not have a housing record under the applicant's household.

If you sell your house, there are statistics, and naturally it is not the first home. But a storefront, an office building, or a parking garage is not housing.

Your new home has long been sold, and buying another house is the only home, and it is undoubtedly the first home. As long as you don't have a mortgage on your home, i.e. whether you haven't bought a house before.

house, or have bought a house before, but pay in full, and you can't find out that you have a mortgage at this stage.

If you have not taken out a loan before, then even if you have the most stringent loan policy, after you sell the house, it will still be regarded as your own house, and you can enjoy the loan of the first home with a low down payment. If you don't have a loan, even if you are given 10 houses, even if you are still in your household, you can still enjoy the current policy of first home loan when you buy a house.

Not counted. The down payment ratio for the first house is relatively low, generally around 30%, that is, if you buy a house of one million, the down payment is about 300,000. The standard for a second home is different.

If it is a second house, the minimum is generally 40%, and the down payment for a second house in some cities is 60%! I'm sure everyone will count this. So for ordinary families, this condition is very important.

If the house under your name is sold and the owner has no debts, buying a house again is considered a first home, and if the bank still has a loan or debt, it is not considered a first home.

If you go to buy a house again, it will not be considered your first house, although you have sold this house, but this house was listed in your name before, and this house is your first house.

Do the math how much it will cost you to renovate your home

In the real estate control policy, the purchase restriction policy and the loan restriction policy have strict requirements for the number of housing units purchased, especially the loan restriction policy, which is identified as the first suite, which can apply for up to 80% of the housing payment, and if it is identified as the second suite, it can only borrow about 50% of the housing payment, if it is identified as three suites, it is not possible to apply for a loan to buy a house, so the identification of the number of housing units is very strict, so the name of the house sold and then buy the first set? Let's take a look.

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

The house under the name is sold and then bought to let the house is the first suite, generally as long as there is no registered property under the name, the purchase of the house is considered the first suite, if there is a mortgage record under the name to settle the sale, some places ** is identified as the second suite, but the property in the transaction process, the seller needs to settle the loan or transfer the loan to the buyer's name, so the loan is generally settled.

2. How to identify the first house.

1. If you have taken out a loan to buy an ordinary house, and the loan has been settled, you can apply for a loan to buy a house again, which can be recognized as the first house.

2. If you have taken out a loan to buy an ordinary house, but this suite has been **, the housing registration system is to check this set of real estate records, but the loan records can be found in the bank, and you can apply for a loan to buy a house at this time, which can be identified as the first house.

3. If you have purchased a property in full before, and apply for a loan to buy a house for the first time, it will be recognized as the first house. If the property is sold, refinancing to buy a house is still considered the first home.

4. If you have applied for a commercial loan to purchase two properties, but the real estate has been **, and the loan has been settled, you can only identify it as the first house if you provide two housing certificates.

Summary: The above is an introduction to the first set of houses sold under the name, I hope the content shared can give you some reference, if you want to know more about related knowledge, you can **** Qijia information.

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Do the math how much it will cost you to renovate your home

From the current point of view, because the housing market is too hot, the state has introduced more and more housing purchase policies, and there are certain restrictions on the purchase of houses, so we should also pay attention to related issues when buying. For example, some friends bought a house, but later sold, and now if you want to buy it, is it a second house?

If you sell a house and buy it, is it the first one?

If a house is sold and then bought is counted as the first house, if it is bought with a loan for the first house and the loan is not settled, it will be counted as a second house when the house is bought again; In addition, 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, and after marriage, the two wanted to jointly take out a loan in the name of the husband and wife, if one of them did not pay off the loan, it was considered a second house.

What is the definition of a first home?

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, which 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, 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.

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 at the same time, in this case, when the loan is refinanced, it will be counted as the first set.

6. There is a commercial loan under the name of the individual that has been repaid and the other set is a provident fund loan, and at the same time, the proof that the fiber can be used to provide housing, and the application for a commercial loan to buy a house is considered the first set of sales.

7. Husband and wife, one party uses a commercial loan when purchasing before marriage, and the other party uses a provident fund loan before marriage, if 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.

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 for buying a house after marriage, which is counted as the first set.

Summary: Okay, the above is about a house sold and then buy the first set of content introduction, I hope to provide you with some help, I believe that in the future in the future in the process of understanding a house sold and then buy the first set, friends will be more handy, get their own satisfactory answers.

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If the loan has been paid off, the house is sold and then the house is bought as the first home. The People's Bank of China stipulates that China's urban residents enjoy preferential mortgage interest rates and minimum down payment ratios for the purchase of their first house.

[Legal basis].Article 6 of the Notice on Issues Concerning Further Improvement in the Regulation and Control of the Real Estate Market.

In principle, the purchase of one house is limited to local households with household registration and non-local household registration households that can provide proof of local tax payment or social insurance payment for a certain number of years; The sale of houses to local households with household registration that already own two or more houses, non-local households with household registration who own one or more houses, and non-local households with household registration who are unable to provide proof of local tax payment or social insurance payment for a certain number of years shall be suspended within their respective administrative areas.

Legal analysisBuying a house after selling the house in full can be used as the first set, and buying a house after the loan is sold is considered a second house, because most areas now implement the principle of recognising the house and subscribing to the loan, whether it is a registered property under the name of the individual, or a loan record, as long as it meets one of the requirements, the second house is considered a second house. According to the principle of recognising the house and recognising the loan, if the individual or family does not register the real estate in their name, and there is no record of applying for a loan for the purchase of a house, the property can be counted as the first house, and only need to pay more than 30% of the down payment when buying a house, and the other housing payments can be obtained through commercial loan banks or housing provident fund loans, and there is no need to make up all the housing payments at one time, and only need to repay the loan on time every month.

[Legal basis].Article 8 of the Provisional Regulations of the People's Republic of China on Deed Tax stipulates that the tax liability of deed tax shall be the date on which the taxpayer signs the contract for the transfer of land and house ownership, or the taxpayer obtains other certificates with the nature of land and house ownership contracts.

The first house sold in the purchase of the first house is considered the first house needs to look at the recognition criteria of the second suite, and the criteria for the recognition of the second house are as follows:

1) The borrower applies for the loan to purchase a house for the first time, if the borrower 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 used the loan to purchase a good set (or more) of housing, 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) housing through due diligence in the form of credit investigation records, interviews, interviews (visits if 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.

On May 26, 2010, there were clear implementation standards for the recognition of second home loans. As"Ten articles of the new country"The Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission recently jointly issued a document to standardize the standards for the recognition of second homes (Jianfang [2010] No. 83), which follows the principle of "taking the family as the unit, recognizing the house and recognising the loan" for the recognition of the second house for individuals applying for commercial housing loans.