Shijiazhuang 2022 Second Suite Down Payment New Deal

If you buy a second suite in 2022, the down payment policy is as follows: if you already own a suite when you buy the second suite and buy it in an unrestricted city, but the loan has not been paid off, when you buy the second suite again, the down payment shall not be less than 50%~70%, and the specific proportion shall be determined according to the regulations of different regions; For the restricted purchase area, there is a set of housing, but the loan has not been paid off. The down payment ratio for the purchase of the second suite shall not be less than 30%, and the specific ratio shall be determined according to the regulations of different regions.

On the whole, buying a second suite has more down payment than buying the first suite.

Can I get a loan from the second-home provident fund?

The second suite can also apply for a mortgage with the provident fund, but the premise is that the previous house must be paid off before it can continue to apply. The amount of the mortgage will generally be determined according to the deposit of the provident fund. The so-called second suite actually means that there is already a house under the family name, so continuing to buy a house belongs to the second house. If you buy two houses by mortgage, the down payment ratio will increase, that is, if you use provident fund to mortgage, the interest rate will also increase. Therefore, it is not particularly cost-effective to buy two houses by mortgage, but also depends on your own economic ability.

How to determine the number of suites?

1. It depends on whether there is any loan behavior before. For those who have bought a house in full or borrowed from relatives and friends before, when applying for a loan to buy a house from a bank, it will be regarded as the first home loan. For those who have already borrowed money to buy a house, they will be recognized as the second suite when they apply again.

2. With households as the unit, it is necessary to inquire about the situation of buying a house with loans from oneself, spouse and minor children in the personal credit information system. If one of them has a loan to buy a house, he will also be recognized as a second suite when applying for a loan to buy a house.

3, including paid and outstanding loans. That is, people who have a record of buying a house loan, whether they have paid off or not, and apply for a loan to buy a house again, will be recognized as the second suite.

Pay attention to preparing in advance before buying a house; Of course, it is time to buy a second suite. Everyone needs to figure out which ones should be more optimistic about buying a second suite? Although the price should be considered, the natural living environment of the house needs more attention. A good natural environment is inseparable from the management methods of property management. Property buyers should first carefully choose a new property management project. Before buying a house, buyers should have some major understanding of the new property management project you choose. It is best to choose real estate developers who only have property management, and the services of such property management companies cannot be poor.

Pay attention to choosing provident fund mortgage as much as possible; Provident fund loans to buy two suites can still enjoy preferential policies. If you apply for the first set of commercial loans, the second set will enable the provident fund to buy a house and still enjoy the first home loan policy; Buy two sets of personal provident fund, as long as the balance of the first loan is settled, you can still enjoy the current policy of the first suite. In cities that do not implement the "purchase restriction" measures, households purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%. For cities that implement the "purchase restriction" measures, the individual housing loan policy is still implemented according to the original regulations. Under normal circumstances, the down payment ratio for buying a second suite cannot be less than 40%, which is higher in cities with restricted purchases. For example, if you borrow money to buy a second suite in Beijing, the down payment ratio of the second suite is not less than 70%.

What is the standard for the second suite?

The second suite is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is lower than the local average level, and then applies for housing loans from commercial banks. Second suite identification standard:

1. If parents have a house, buy another house in the name of minor children;

2. Have a property under the name of a minor, and then borrow money to buy a house after adulthood;

3. If there is a house purchased in full under the name of the individual, then borrow money to buy a house;

4. There is a loan to buy a house under the name of the individual, and then the loan is purchased after the sale;

5. Use commercial loans for the first purchase and provident fund loans for the second purchase;

6. One party borrows money to buy a house before marriage, and applies for a loan to buy a house in the name of the other party after marriage, but the two accounts are not together;

7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house.

Legal basis:

Notice on Standardizing the Criteria for Determining the Second Set of Housing for Commercial Personal Housing Loans Article 1 The number of housing units for commercial personal housing loans shall be determined according to the number of housing units actually owned by family members (including borrowers, spouses and minor children, the same below) to be purchased. Article 2 Upon the application or authorization of the borrower, the real estate departments of municipalities directly under the central government, cities under separate state planning, provincial capitals and other cities with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.