Is this considered a second home? What counts as a second home?

1 There is no property in your name, so it is not considered a second home.

2 If you sell the property that is already in your name and then buy a house, it depends on the local policy, and if you get married, even if it is a joint property, it depends on the situation in her name.

3 It's very simple, the second house you buy in Ningde is not a second house, and if you want to buy it again in Tianjin, you can buy this house in the name of your expectant wife before you get a marriage certificate, so that it is her first house purchase, and then get married.

These local property consultants will be able to give you an answer if you tell her about the situation when you go to see the property.

The original house is sold, and this is not a second house, but you have to settle the loan for the previous house. This will make sure the bank is your first home.

The second house is the second property purchased by our citizens, but there are these special circumstances.

The first type of special is that if the citizen acquires the property under the minor, the second house purchased by the citizen is also considered a second house when he is an adult.

The second type is that if the parents settle the property to their minor children, it is also considered a second house, which is a family unit.

At present, the bank recognizes the second house as a house and a loan, that is to say, although the property has been ***, and there is no housing in the family's name, but because it has a loan record, the property purchased with a previous loan will also be counted as a second house when it is purchased.

The fourth situation is that one of the parties has a record of taking out a loan to buy a house before the marriage. After marriage, the other party applied for a loan to buy a house, but the two did not have a household registration together, even if the household registration was not together, there must have been a marriage registration with the Civil Affairs Bureau, and the bank required the borrower to provide a household registration book when approving the loan. The borrower will also be asked to provide proof of marital status or single status, so the other party will still be counted as a second home when they buy a second home.

In the case of a second house, the parents have a house in their names and buy a house in the name of their minor children; When you are a minor, you have a property in your name, and then take out a loan to buy a house when you are an adult; If an individual has a house purchased in full under his name, he or she will refinance to buy a house; Have taken out a loan to buy a house, and then take out a loan to buy a house after settling it**; Use a commercial loan for the first home purchase, and then use a provident fund loan to buy a house; Buying a house before marriage and then buying a house after marriage, or buying a house after a divorce during the marriage.

1. Does the man have a house and the woman who buys a house belongs to a second suite?

It belongs to the second suite. Because the woman has the full amount to buy the house before marriage, and the man takes out a loan to buy the house after marriage, it belongs to the recognition standard of the second house. In the past, it was determined that only "subscribed for loans", which was not considered a second house, but now "recognising a house" has been added, although there is no loan, as long as there is a property under the name that can be found in the housing property rights trading system, it will also be recognized as a second house if it is not sold and applied for a loan.

Second, if there is a demolished house, whether buying another set is considered a second suite?

If there is a demolished house and then buy a house, it is also considered a second house, and the determination of the second house is determined according to the actual number of houses owned.

If there is a demolition house, whether buying another set is considered a second set, the details are as follows:

Individuals have a loan to buy a house under their name, and then take out a loan to buy a house after settling **Detailed explanation: At present, the bank recognizes the second house as "recognising the house and recognising the loan", that is to say, although the property bought with the loan **, the family no longer has any housing in its name, but because it has a loan record before, applying for a mortgage will also be counted as a second house;

First of all, use a commercial loan to buy a house, and use a provident fund loan to buy a house again Detailed explanation: 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 or not, whether the real estate is **, even if he has never used a provident fund loan, the first application for a provident fund loan will be recognized as a second house.

Therefore, if a house is sold, but if there is still a mortgage, etc., the person who buys the house will still be recognized as a second house.

Article 1 of the Notice on Standardizing the Criteria for Determining 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 members of the family (including the borrower, spouse and minor children, the same below).

Article 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).

The second house, that is, the family unit, both the house and the loan, and the non-local person to repay the house loan or Tong needs to provide more than 1 year of the tax certificate or social insurance payment certificate of the place to be purchased, otherwise it will be calculated according to the second home loan. The second house is the abbreviation of the second ordinary self-owned house, which refers to the housing loan house that is recognized by the borrower's family (including the borrower, spouse and minor children) as a unit, and the borrower's family's per capita housing area is lower than the local average level, and applies for a housing loan from a commercial bank again.

Legal basis: Article 10 of the Administrative Measures for the Pre-sale of Urban Commercial Housing.

For the pre-sale of commercial housing, the developer shall sign a contract for the pre-sale of commercial housing with the offtaker. The developer shall, within 30 days from the date of signing, go through the registration and filing procedures for the pre-sale contract of commercial housing with the real estate management department and the municipal and county people's land management department. The real estate management department shall actively apply network information technology and gradually implement the online registration and filing of commercial housing pre-sale contracts.

The registration and filing procedures for the pre-sale contract of commercial housing can be entrusted to the first person. If the person is entrusted to handle it, there shall be a written power of attorney.

Does one house under the name of the husband and wife count as two houses?

If both suites are purchased before marriage, one of them uses a commercial loan, and the other uses a provident fund loan, then after marriage, if you take out a joint loan in the name of the husband and wife to buy a house, it is considered a second house. Because according to the relevant house purchase policy, although the house was purchased before marriage, it has been recorded in the bank credit system.

Is it considered a second house if the first house is sold and then the house is purchased?

Whether it is a second house is to first confirm whether the original house has been sold when buying the house, the situation is as follows:

1) If it has been sold and the transfer has been completed, that is, there is no property in the name, then it is definitely the first home to buy a house with another loan.

2) If it has been sold but the transfer has not been completed, it proves that the house is still in your name, and if you buy a house, it is a second house.

Article 60 of the Law on the Administration of Urban Real Estate.

When real estate is transferred or changed, it shall apply to the local people's ** real estate management department at or above the county level for the registration of the change of the remaining real estate, and apply to the people's ** land management department at the same level for the registration of change of land use right with the changed house ownership certificate, and the people's ** land management department at the same level shall replace or change the land use right certificate after verification by the people's ** land management department at the same level. Where the law provides otherwise, it is to be handled in accordance with the provisions of the relevant laws.

Legal basis:

Legal analysis: The full name of the second house is the second ordinary owner-occupied house, which refers to the mortgage house where the borrower's family's per capita housing area is lower than the local average level and the borrower applies for a housing loan from the bank. According to the current policy of our country, the down payment for the second home needs to reach 70%, the down payment ratio for the second home is higher than that for the first home, and the loan interest rate is also increased to double that of the first home.

At present, both the first house and the second house are both recognized and loaned, which means that if you have a house in your name and the mortgage has not been paid off, if you want to buy a house, it is considered a second house.

Legal basis: Notice on Standardizing the Identification Standards for the Second Housing in Commercial Personal Housing Loans Article 10 The notice points out that the number of housing units for resident families in commercial personal housing loans in various regions shall be determined according to the number of complete housing units actually owned by the family members who intend to purchase the house, including the borrower, spouse and minor children.

Category 1: Parents who have a house in their name and buy a house in the name of their minor children.

According to the provisions of the new "National Ten Articles", family members include the borrower, spouse and minor children, that is, minor children are classified as family. The purchase of a house by children will also be implemented in accordance with the second home policy, that is, a down payment of 50% and an interest rate increase. Only if the parents sell the property and refinance to buy a house, can the first home loan policy be implemented.

The second category: 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.

In this case, if you refinance the purchase, it will also be considered as a second home. According to the current standard of bank loan and house recognition, if you do not ** existing real estate, refinancing to buy a house is a second house, which will be implemented in accordance with the second home policy.

The third category: the individual has the full amount to buy a house in his name, and then takes out a loan to buy a house.

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 be recognized as a second home, and the loan policy of 50% down payment and interest rate increase will be implemented.

The fourth category: the individual has a loan to buy a house under his name, and then takes out a loan to buy a house after settling it.

At present, the bank recognizes the second house as a house and a loan, that is to say, although the property has been **, and there is no house in the family's name, because it has a loan record, the property purchased with the previous loan will also be counted as the second house when it is purchased.

Category 5: Commercial loans for the first home and CPF loans for the second home.

At present, the provident fund loan policy is also relatively strict, as long as the borrower has a loan record, regardless of settlement or **, even if he has never used the provident fund loan, the first use will be counted as a second home.

Category 6: One party has a record of taking out a loan to buy a house before marriage, and after marriage, he applies for a loan to buy a house in the name of the other party, but the two people are not together after marriage, although the household registration is not together, but there must be a marriage registration at the Civil Affairs Bureau, and the bank will require the borrower to provide a certificate of marital status or a single certificate in addition to the borrower when approving the loan, so the other party will still be counted as a second home when buying a house.

Category 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, as long as the loan record of the loan can be found in the credit information system of the central bank, then even if the property is awarded to the other party after divorce, this party will be recognized as a second home when it refinances to buy a house.

The decision on whether a second home is based on the number of properties in the name of the homeowner and the number of loans, and the homeowner is divided into families and individuals.