What is the judgment standard of the second set of housing in 2018? What is the bank's recognition standard of the second set of housing
Now there are many people who buy houses for investment. Sometimes it is possible to have several apartments under the account. However, the tax rate for more than one apartment is also different. How can it be regarded as a second apartment? What are the criteria for judging the second suite in 2018? Let's have a look.
1. Loan to buy a suite, through the housing registration system can query the real estate, and then loan to buy a house, calculate two sets.
2. Loan to buy a house, and then sell, through the housing registration system can not find real estate, but in the bank credit system can find loan records, and then loan to buy a house, calculate two sets.
3. I've bought a flat and sold it. I can't find it in the housing registration system. I can't get a loan to buy a house.
4. Buy a full set of housing, through the housing registration system can query the real estate, loan to buy a house is two sets.
5. If the local government does not have the query conditions of the housing registration system for the time being, and the bank conducts due diligence to verify that the buyer has one house, the second house will be considered as two.
Seven cases of the bank's recognition of the second house
1. If the parents have houses, they will buy houses in the name of their minor children;
2. When he is a minor, he has real estate in his name, and when he is an adult, he will borrow money to buy a house;
3. The individual has the house which the full payment purchases under the name, again loans the house purchase;
4. Personal name has a loan to buy a house, after the settlement of the sale of the loan to buy a house;
5. Commercial loans are used for the first purchase and provident fund loans are used for the second purchase;
6. Before marriage, one party had a loan to buy a house, but after marriage, they applied for a loan to buy a house in the name of the other party;
7. After marriage, the two parties jointly borrow money to buy a house, and after divorce, the other party applies for a loan to buy a house.