I have a commercial house, I want to buy a house, is it considered a second house?

Seven types of situations can be identified as two suites.

Parents have a house in their name, and they buy a house in the name of their minor children.

Analysis: The new policy stipulates that family members include borrowers, spouses and minor children, that is to say, minor children are also classified as family, so when buying a house in the name of minor children, it will be implemented in accordance with the second home policy, that is, a down payment of 50% and an interest rate increase. If you sell this property and then take out a loan to buy a house, you can implement the first home loan policy.

When you are a minor, you have a property in your name, and when you become an adult, you can take out a loan to buy a house.

Analysis: According to the bank's current policy of "subscribing to the loan and recognising the house", if you do not have the existing property, the refinancing to buy a house belongs to the second suite, which will be implemented in accordance with the policy of the second suite. Originally, the second house was mainly based on loan records, and when applying for a loan to buy a house after adulthood, it was not counted as a second house.

If you have a house in your name that you have purchased in full, you can refinance it to buy a house.

Analysis: According to the current policy of the bank, even if there is no mortgage record before, as long as the bank can find out that the applicant has a property in the name of the applicant in the housing property rights transaction system, it will be recognized as a second house without selling it and applying for a loan, and it will be implemented in accordance with the loan policy of 50% down payment and interest rate increase. In the past, the policy was "subscribing to the loan but not the house", and applying for a loan to buy a house after buying a house in full will not be counted as a second house.

Have taken out a loan to buy a house, and then take out a loan to buy a house after settling it**.

Analysis: At present, the bank recognizes the second house as "recognising the house and recognising the loan", so even if the property ** and the family do not have a house in their name, because there is a loan record before, after the previous loan to purchase the property**, it will also be counted as a second house when it is purchased.

Use a commercial loan for the first home purchase, and then use a provident fund loan to buy a house.

Analysis: At present, the provident fund loan policy is relatively strict, as long as the borrower has a loan record, regardless of settlement or **, even if the provident fund loan has never been used, the first use will be counted as a second house, so the use of the provident fund loan to buy a house, the down payment ratio is 50%.

One party takes out a loan to buy a house before marriage, and the other party takes out a loan to buy a house after marriage.

Analysis: It is possible that the husband and wife did not fall together after marriage, but there must be a marriage registration record, and the bank will require the borrower to provide proof of marital status in addition to the household registration book when approving the loan, and the married couple cannot provide a single certificate, so the other party will also be counted as a second house when buying a house.

After marriage, both parties jointly take out a loan to buy a house, and after the divorce, one party applies for a loan to buy a house.

Analysis: At present, the bank's identification of the second house is "recognising the house and recognising the loan", as long as the loan records of the parties can be found in the credit information system of the central bank, even if the property is awarded to the other party after the divorce, this party will be recognized as a second house when it refinances to buy a house, so the "fake divorce" cannot circumvent the new policy of the second house.

Real estate knowledge Real estate** Please refer to I want a home home.

With the current policy, changing houses is considered a second home.

Sell the house and buy a second house. The specific reason refers to point 4 of the bank's identification as a second home.

Seven situations that the bank identifies as a second home.

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. This makes a lot of attempts to get through"Fake divorce"The idea of circumventing the new deal for second homes has also been in vain.

Whether it is considered a second house is divided into the following situations:

1. If you have bought a house with a loan, you can check the property through the housing registration system, and then take out a loan to buy a house, which is counted as two sets.

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 counted as two sets.

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;

Recognition Criteria:

The Ministry of Housing and Urban-Rural Development announced on the evening of the 4th the "Notice on Standardizing the Identification Standards for the Second Housing in Commercial Personal Housing Loans", which pointed out that the number of residential housing units in commercial personal housing loans should be determined according to the number of complete sets of housing actually owned by the family members who intend to purchase the house, including the borrower, spouse and minor children. The following is the full text of the notice:

Notice on Standardizing the Criteria for the Identification of Second Housing in Commercial Personal Housing Loans to all provinces, autonomous regions, municipalities directly under the Central Government, cities specifically designated in the state plan, and provincial capitals (capital cities) Housing and Urban-Rural Development Departments (Construction Committees and Housing Bureaus), the Shanghai headquarters of the People's Bank of China, all branches, business management departments, provincial capital (capital) city center sub-branches, and sub-provincial city center sub-branches.

Transfer the property to your father, you don't have a house, you haven't used the provident fund and business loans, even if you have a set.

It is recommended to go to the housing management to print a certificate of no house after transferring the property to the father, and display it as "0".

Definition criteria for two suites:

1. If you have bought a house with a loan, you can find the property through the housing registration system, and then take out a loan to buy a house - it is counted as two sets.

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 collection system, and then take out a loan to buy a house - it is counted as two sets;

3. If you have bought a house in full, you can check the property through the housing registration form system, and you can buy a house with a loan - it is counted as two sets.

Fourth, 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 one. 5. If the local housing registration system does not have the conditions for inquiry, the bank shall conduct due diligence to verify that the buyer already has one house, and then buy another house - two sets will be counted.

6. If there are two commercial loan records under the individual's name, one has been paid off and the other has not been paid off, and the reloan is recognized as three suites.

7. 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, although the individual has no house in his name, it will also be regarded as three houses when refinancing.

8. If there is a commercial loan in the name of the individual that has been paid off, and the other is a provident fund loan that has also been paid off, at this time, whether you apply for a provident fund loan or a commercial loan and then buy a house, it will be regarded as three suites.

9. Husband and wife, one party 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.

10. 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, the loan application for buying a house after marriage is regarded as three suites.

Legal analysis: If there is a relocated house and then a commercial house is purchased, it is counted as a second house, and the determination of a second house is determined according to the number of houses owned by the family.

Legal basis: Notice of the People's Republic of China on Standardizing the Criteria for Identifying the Second Housing in Commercial Personal Housing Loans Article 1 The number of housing units for resident families in commercial personal housing loans shall be determined according to the number of complete housing units actually owned by the members of the family (including the borrower, spouse and minor children, the same below). Article 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 with 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.

Selling a house first and then buying it is considered the first house. If you buy a house first and then sell it, it is considered a second home. There are two conditions for the bank to define a second home: check the number of units in your room at the Housing Authority; Check your credit record to see how many times you've taken out a loan.

Criteria for determining "second suite" or "multiple suite":

1. The number of mortgages is determined on the basis of the borrower's family (including the borrower, spouse and adult children who have not been destroyed);

2. For families who have used bank loans to purchase their first self-owned houses, if their per capita housing area is lower than the local average level, and apply for housing loans from commercial banks again, they can be implemented in accordance with the first self-housing loan policy;

3. If a family that has used a housing provident fund loan to purchase a house applies for a housing loan from a commercial bank again, it shall be implemented in accordance with the provisions of the preceding paragraph;

4. Commercial banks shall earnestly fulfill their obligation to inform and require borrowers to submit real estate, income, household registration, taxation and other supporting materials in accordance with the principle of good faith;

5. Any commercial bank shall not accept any credit application if it is found that false information has been filled in or false proof has been provided. All commercial banks are not allowed to accept any more certificates of false income that have been verified by units that have issued false income certificates.

If you want to buy the current house in full, that is, buy the second residential house in full, then the housing authority will naturally not inquire about the number of houses, so in this case it can be counted as the first residential house. However, if you take out a loan to buy your current house, then the house-for-house will actually count as a second residential home. If buying and selling a house can be synchronized, it must be the best, because this can smoothly transition this transition period.

If you can't do it synchronously, you can go to see the new house of the good ant quarrel first, and then set the **, and then put your own house**.

In case it is cost-effective to change houses, it mainly depends on the external ** of the house, if the house is relatively high, then it is more cost-effective to exchange the house for the house. The so-called house for house is actually to sell the current house, and then replace it with a new house, in the process of operation, it is also necessary to assess their own needs and strength, and at the same time to figure out the current real estate market and local houses, try not to miss the best time to buy a house. Be sure to find a suitable ** first, and then determine the house transaction, and then sell the house in your hand, so that you can make a good time difference.

It is not good to buy and change houses frequently. Frequent buying a house means that you often need to move, which is very troublesome for individuals, and there are a lot of items that need to be moved every time you move, and there is a lot of instability in the real estate market, and the process of buying and selling houses is also likely to be risky, so it is not recommended to buy and change houses frequently.

The above is the content of the question of whether the house for house is considered a second suite, if the replaced house is a second loan purchase, the house for house is counted as a second suite, if the replaced house is not a second loan purchase, then it is not counted as a second house.