One thing people often discuss in their daily life should be buying a house. Buying a house is really very important for most families. Some people already have a suite, but they need to buy a second suite for other reasons. However, they don't know much about the second suite, so they don't dare to buy it easily. What is the standard for the second suite? What is the difference between the first suite and the second suite?
What is the standard for a second suite?
1. The number of house loans recognized by the borrower's family (including the borrower, spouse and minor children). For families who have purchased their first self owned housing with bank loans, if the per capita housing area is lower than the local average level and apply for housing loans from commercial banks again, it can be implemented in accordance with the first self owned housing loan policy, but the borrower shall provide the query results of the total area of family housing issued by the local real estate management department according to the housing registration information system.
2. The average level of local per capita housing shall be subject to the data of the previous year published by the statistics department. Others are subject to the second house loan. If a family that has purchased a house with a housing provident fund loan applies for a housing loan from a commercial bank again, the provisions of the preceding paragraph shall apply. Commercial banks should fulfill their duty of disclosure, requiring borrowers to submit authentic materials such as property, income, household registration and taxation according to the principle of good faith.
3. All commercial banks shall not accept credit applications for those who are found to fill in false information or provide false certificates. For units that have issued false income certificates and have been verified, all commercial banks shall no longer accept their certificates. For borrowers and units with the above situations, commercial banks shall timely report to the local banking association, which shall be responsible for collecting the above information and notifying it, and the regulatory authorities shall include it in the key inspection contents.
What is the difference between the first suite and the second suite?
1. Loan interest rate. The loan interest rate of the second house loan is much higher than that of the first house. In terms of provident fund loans, the loan interest rate of the second house loan is 10% higher than that of the first house provident fund loan. The loan interest rate of the second house of other commercial loans shall be subject to the provisions of commercial banks, but generally speaking, it is relatively high.
2. Loan limit. The loan amount of the second house loan is much lower than that of the first house. For example, in Beijing, the borrower of the first house can borrow up to 70%, but the borrower of the second house can borrow only 30%. The specific loan amount shall be subject to the regional regulations.
3. Loan difficulty. Of course, the loan difficulty of the second house loan will be much more difficult than that of the first house loan, especially when funds are tight, it is often difficult to apply for the second house loan.
To sum up, what is the standard of second set of housing? What is the difference between the first suite and the second suite? The identification standard of the second suite is very simple. If you want to buy the second suite, you'd better understand it before you buy it, which is very beneficial to yourself. The first suite and the second suite are not only poor in one word, but the significance and difference between the two are very huge.