Hangzhou buys a house but denies the loan.

Hangzhou adopts the policy of recognizing the house but not the loan, that is, as long as there is no real estate under its name, regardless of whether there is a loan, you can enjoy the down payment ratio and interest rate concessions of the first home mortgage loan.

The policy of recognizing housing and not recognizing loans means that when determining the loan ratio, commercial banks only determine whether families have real estate, regardless of whether the buyers have housing loan records. And some key cities implement the policy of recognizing housing and recognizing loans, that is, after selling a suite, the second loan to buy a house will be recognized as two sets, as long as there is a record of buying a house loan nationwide. The policy of recognizing the house and not recognizing the loan allows these buyers to borrow money according to the standard of the first suite.

The policy of recognizing houses but not loans is beneficial to those who just need to buy houses, but there are also problems and limitations. When implementing this policy, it is necessary to strengthen the supervision and risk warning of buyers to ensure the healthy development of the real estate market.

The following are the criteria for purchasing the first suite:

The loan bought a suite, the commercial loan was settled, and then the loan to buy a house was the first set. I bought a suite with a loan and later sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system, and then borrow money to buy the first house. I have bought a suite in full, and then borrowed money to buy the first one. I bought a suite in full and sold it. The housing registration system can't find the real estate, and the loan to buy a house is the first set. There are two sets of commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, consider the first set when refinancing. One commercial loan has been paid off and the other provident fund loan has been sold. At the same time, it can provide proof of house sale and apply for a commercial loan to buy the first house. Husband and wife, one party buys a house before marriage using commercial loans, and the other party buys a house before marriage using provident fund loans. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status. Husband and wife, 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. Buying a house and applying for a loan after marriage is the first set.