If you buy a house and buy it yourself after the transfer, is it considered the first house?

After the purchase of the house is transferred, the first house is considered when the family only has one house. The identification of the second house is determined on the basis of the actual housing situation of the family.

According to Article 1 of the Notice on Standardizing the Criteria for the Identification of the Second Housing in Commercial Personal Housing Loans, 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).

Other provisions regarding second suites.

Article 4 of the Notice on Standardizing the Criteria for the Identification of the Second Housing in Commercial Personal Housing LoansFor 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 Notice.

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.

The above content refers to the notice of the Ministry of Housing and Urban-Rural Development of the People's Republic of China on the identification standards for the second housing in commercial personal housing loans.

It's your first home without a loan.

Criteria for the recognition of the second suite:

1. I have bought a house in full and bought a house with a loan - the first set;

2. If you have bought more than two houses with a loan, and then sold them all, 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. 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; If the loan is not paid off - more than two homes;

4. If you have taken out a loan to buy a house, the commercial loan has been settled, and then you can take out a loan to buy a house - the first set. If the loan is not settled, it will be counted as two sets;

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

6. If the local housing registration system does not have the inquiry conditions for the time being, the bank shall conduct due diligence to verify that the buyer already has a house, and then take out a loan to buy the house - the first house;

7. 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 re-financed, it is counted as the first set;

8. There is a commercial loan under the name of the individual that has been paid off, and the other is a provident fund loan that has been paid off, and the application for a commercial loan to buy a house - the first set;

9. 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 - the first set;

10. If there is a commercial loan record of two suites under the individual's name, one set has been paid off and the other has not been paid off, and the re-loan is recognized as more than two suites.

For households that take out a loan to purchase a second home, the down payment ratio of the loan shall not be less than 60%, and the interest rate of the loan shall not be lower than the benchmark interest rate.

Second home loan fees.

1. Down payment.

According to the bank's regulations, if the borrower applies for a second home loan, he or she needs to pay a down payment of not less than 60% of the purchased house**, and some regions require a down payment ratio of not less than 70% for the second home loan.

2. Interest. The interest on a second home loan is calculated based on the borrower's loan amount, loan term, loan interest rate, and repayment method. Among them, the level of loan interest rate directly affects the amount of mortgage interest expense.

3. Mortgage registration fee.

Customers who apply for a second home loan must agree to mortgage the house purchased under their name, and the borrower needs to pay a certain amount of mortgage registration fee when going through the mortgage registration procedures.

4. Notary fee.

When applying for a second home loan, you also need to pay a notary fee. When applying for a bank housing loan, the bank will entrust the notary department to certify the borrower's qualifications, and the borrower needs to pay the notary fee.

Summary. Hello, yes. If the previous mortgage house has been sold, and the transfer procedures have been completed, and there is no property in the name, the second house can be counted as the first one; If the original house is sold, but the transfer process has not been completed, then the re-purchase is not considered the first home.

Hello, yes. If the previous mortgage house has been sold, and the transfer procedures have been completed, and there is no property in the name, the second house can be counted as the first one; If the original house is sold, but the transfer process has not been completed, then the re-purchase is not considered the first home.

Hello. Criteria for the identification of the first house: 1. The loan to buy a house has been paid off, and the refinancing to buy a house is considered the first set.

2. 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. 3. If you have bought a house in full, you will be considered the first one to buy a house with a loan. 4. I bought a house in full and then sold it, and the housing registration system could not find the property, and then took out a loan to buy a house.

5. The commercial loan records of two houses under the individual's name have all been paid off, and the proof of two houses can be provided at the same time, in this case, the first set is counted as the first set when refinancing. 6. There is a commercial loan under 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. 7. If one of the husband and wife has a house before marriage but has no loan record, and the other party has a loan record before marriage but has no real estate in his name, and applying for a loan for buying a house after marriage is counted as the first set.

The definition of a first home is the purchase of a single home that you only own. The buyer of the first house should be at least 18 years old, have no house purchased alone or jointly with others, and the property purchased should be an ordinary house with an area of no more than 90 square meters.

Is it not considered a second house to buy after the first loan is paid off and the transfer is made?

What if I buy it after the transfer of ownership in the name of gift?

Is it still a first home?

Count it. When buying a loan, is the interest appropriate, the same as the first home?

Yes.

Summary. Kiss. Hello.

Buying a house after the transfer of the first loan house is considered the first one. Whether buying a house after transferring a house under your name is the first house mainly depends on whether the first house is a loan. The bank's criteria for determining the second house is "recognising the house and subscribing to the loan", that is, judging whether it is a second house based on the loan record and the house property registration record at the same time.

Therefore, there are two situations for buying a house after the transfer of a house under your name: after buying a house with a loan, although the housing registration system cannot find the real estate record, the loan record can be found in the bank collection system, and then buying a house does not belong to the first house. After buying a house in full, the transfer of ownership, the bank credit information system and the housing registration system can not find the record, and then buying a house belongs to the first house.

Dear, remember to pay attention to the real-time weather forecast in advance when you go out, take care of the protection to improve safety awareness, and protect yourself and your family. <>

<> is buying a house after the transfer of the first loan house count as the first house?

Kiss. Hello. Buying a house after the transfer of the first loan house is considered the first one.

Whether buying a house after transferring a house under your name is the first house mainly depends on whether the first house is a loan. The bank's criteria for determining the second house is "recognising the house and recognising the loan", that is, the travel sale determines whether it is a second house based on the loan record and the house property registration record at the same time. Therefore, there are two situations for buying a house after the transfer of a house under your name:

After taking out a loan to buy a house, although the housing registration system cannot find the real estate record, the loan record can be found in the bank collection system, and then buying a house does not belong to the first house. After buying a house in full, the transfer of ownership, the bank credit information system and the housing registration system can not find the record, and then buying a house belongs to the first house. Dear, when you go out, remember to pay attention to the real-time weather forecast in advance, take a good mouth to pay attention to protection, improve safety awareness, and protect yourself and your family.

<>If a relative borrows a loan in my name to buy a house in Hefei with a loan from Gongwei Split Provident Fund, can I transfer the property to him during the loan period? If I can transfer the ownership of Chashan dates, and the transfer is completed, I want to take out a loan to buy a house in my hometown Can I still enjoy the discount for the first house, not the same city.

Hello dear. During the loan period, you can transfer the property to him. You can also enjoy a discount on your first home. <>

Dear, as long as the transfer is the first suite. But the CPF has no <>

1.If a relative borrows my name and the provident fund to buy a house in Hefei, and can transfer the ownership during the loan period, is it that although I don't have a house in my name, but there is still a loan record, if I want to take out a loan to buy a house in my hometown in Bengbu, sure you can also enjoy the first house discount, the provident fund is gone, and it means that you can use the provident fund to borrow money, and under normal circumstances, I don't borrow in my name. Can the provident fund I paid in Hefei be used in my hometown in Bengbu?

Dear, the mortgage doesn't belong to you after the transfer. Enjoy the first set of discounts. The provident fund paid in Hefei cannot be used in Bengbu's hometown. <>

If you have a house in your name, you can buy a house without a loan after the transfer of ownership. The first home is the purchase of the only home owned only by the buyer of the first home should be at least 18 years old and have no home purchased alone or jointly with others.

[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.

Article 37 of the Law on the Administration of Urban Real Estate.

Real estate transfer refers to the act of transferring real estate to another person by the owner of real estate through sale, gift or other legal means.