What are the criteria for determining the second suite in Beijing?

Criteria for the Identification of the Second House of ICBC Beijing Branch; Parents borrow money to buy a house, and children borrow money to buy it, which is not a second house. At the same time, if the husband has borrowed money to buy a suite, and the wife has borrowed money to buy a house, it is also the first suite under the wife's name. For those who have borrowed from the bank to buy a house and paid off the loan, if they have paid off the previous loan, they will be regarded as the first set. The "second suite" of Bank of Communications Beijing Branch is only related to the lender's previous mortgage record. For example, a couple buying a house, if they have already bought a house with the same name, then buy another set, even if it is a second suite; If you buy in the name of your spouse, as long as he or she has no previous loan record, it will not count. Bank of Beijing's criteria for judging a family's purchase of a "second house" are mainly based on marital relationship. After parents buy a house, buying a house in the name of minor children counts as a second suite, but if children need to buy a house when they get married, they count as buying the first suite. As long as one spouse of Agricultural Bank of China Beijing Branch has applied for a mortgage before, whether it is pre-marital property or not, buying a house is a second suite, even if it is bought in the name of the other spouse. Everbright Bank will inspect the property of buyers on an individual basis, and the mortgage situation of the applicant's spouse will not affect the applicant himself. As long as the borrower who has a record of buying a house with a loan applies for a loan again, it should be treated as a "second suite". Strict restrictive measures are proposed for borrowers who have used loans to purchase houses and apply for the purchase of second or above houses, explicitly requiring that the minimum down payment ratio of loans should not be less than 40%, and the loan interest rate should not be less than 1. 1 times of the benchmark interest rate of the same grade published by the People's Bank of China. At the same time, commercial banks are required to substantially increase the minimum down payment ratio and loan interest rate with the increase of the number of sets. If buyers want to buy a second house worth about 6.5438+0 million yuan, they will have to pay an extra 6.5438+0 million yuan for the down payment alone, and the burden of raising interest rates every month is not a decimal. According to estimates, since all property buyers generally enjoy a preferential interest rate of 15% at present, the actual implementation interest rate is 6.66% on the basis of the current five-year benchmark interest rate of 7.83%. According to the new policy, the implementation interest rate will be raised to 8.6 1%. With a loan of 700,000 yuan and a term of 15 years, the monthly payment burden will increase by more than 780 yuan.