Many families will choose to buy the second set of housing when economic conditions permit, and there are many policies related to the second set of housing. Although there are not many preferential policies for the first set of housing, there are also many regulations. People who do not understand the second set of housing policy will buy blindly. Once there is a strategic error, it is the buyer himself who will suffer the final loss, so how to identify the second set of housing? What are the loan policies for second homes? Let's take a look.
How to identify the second suite?
1. The borrower of the second set of housing applies for the purchase of housing with loans for the first time. For example, one (or more) complete set of housing has been registered in the second set of housing registration information system (including the second set of pre-sale contract registration and filing system, the same below) where the proposed house is located;
2. The borrower of the second house has used the loan to purchase one (or more) house and applied for the second house loan to purchase the house;
3. The lender of the second house is convinced that the borrower's family of the second house has one (or more) house through due diligence investigation in the form of credit investigation records, face-to-face test, interview (if necessary);
4. If a non local resident who can provide a local tax certificate or social insurance payment certificate for more than one year applies for a second house loan, the second house lender shall implement a differentiated housing credit policy in accordance with Article 3.
What are the loan policies for second homes?
1. At the same time, the central bank also stipulates that the families who pay the second set of housing to employees use the entrusted loan of housing provident fund to buy two sets of ordinary self owned housing, and the low down payment ratio of the second set of housing is 20%; For the employee families who have one house and have settled the corresponding purchase loan, in order to improve the living conditions of the second set of housing, they apply for the entrusted loan of housing provident fund again to purchase the second set of self owned housing, and the low down payment proportion of the second set of housing is 30%.
2. Specifically, the second house loan policy is: for families who borrow to buy a second self owned house, the down payment proportion of the second house shall not be less than 70%, and the loan interest rate of the second house shall not be less than 1.1 times of the benchmark interest rate. All branches of the people's Bank of China may, in accordance with the price control objectives and policy requirements of the local people's government for new second homes, increase the down payment proportion of second home loans and the interest rate of second home loans on the basis of the national unified credit policy.
3. Deed tax of the buyer's first house with an area of less than 90 square meters: 1% of the assessed price of the second house; The first deed tax of the buyer for the second suite with an area of more than 90 square meters but less than 144 square meters is: 1.5% of the evaluated purchase and sale price of the second suite;
4. If the price of the second house is higher than the market guide price of the area, and the area of the second house is greater than or equal to 144 square meters, the buyer of the second house is not the first two house property deed tax or more than two house property deed tax: 3% of the assessed price of the second house.