Now many of us are not very familiar with the policy of buying a house. In fact, it is necessary to look at the real estate policy before buying a house. Especially if we buy a house with a loan, we must look at the definition of the first suite. After all, there will be a certain discount for the first suite now. So, Xiaobian, let's talk about the definition of the first suite now? How to identify the first suite?
Definition of first suite?
1. The first house refers to the purchase of only one house, which is subject to the national recognition standard for the first house. The people's Bank of China stipulates that urban residents in China enjoy preferential policies such as preferential mortgage loan interest rate and low down payment ratio when purchasing their first house.
2. The so-called 'first Suite' has to meet three conditions at the same time: the buyer is over 18 years old; The house bought is an ordinary house of 90 square meters and below (ordinary houses of 90 square meters and below enjoy the preferential deed tax rate of 1%); There is no house purchased alone or jointly with others under the name of the buyer. However, the housing purchased with parents, in accordance with the housing reform policy, and obtained through inheritance or demolition and resettlement is excluded.
3. If you want to enjoy various tax exemptions and loan preferences according to the purchase of the 'first house', you must apply by the buyer himself and submit an application to the district and county real estate transaction where the purchased house is located with the purchase contract and ID card. The first purchase certificate shall be issued within 7 working days from the date of acceptance of each transaction.
How to identify the first suite?
1. Loan to buy a suite, the commercial loan has been settled, and then loan to buy a house is the first set.
2. I bought a house with a loan and then sold it. I can't find the real estate through the housing registration system, but I can find the loan record in the bank credit investigation system, and then I can buy a house with a loan, which is the first set.
3. I bought a suite in full and bought a house with a loan, which is the first set.
4. I bought a suite with all the money, and then sold it. The real estate can't be found in the housing registration system. If I buy a house with a loan, it's the first set.
5. There are two commercial loan records under the personal name, all of which have been paid off and sold. At the same time, the proof of the sale of two houses can be provided. In this case, it is the first set when the loan is refinanced..
6. A commercial loan has been paid off for one suite under my name, and the other is that the provident fund loan has been sold. At the same time, I can provide proof of housing sales, and apply for a commercial loan to buy a house, which is the first set.
7. Husband and wife, one party uses commercial loans to buy a house before marriage, and the other party uses provident fund loans to buy a house before marriage. After marriage, the two want to make a joint loan in the name of husband and wife. If the loan has been repaid, 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.
8. For the couple, 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 under his name. It is the first set to buy a house after marriage and apply for a loan.