How to define two suites and improved housing?

Define two suites and improved housing:

1. It is also necessary to strictly control the loan policy for purchasing the second set (including the second set) of non-improved housing. According to the data released by the Municipal Bureau of Statistics, the per capita housing construction area in Shanghai in 2008 was 33.4 square meters. At present, the per capita housing construction area of the borrower's family exceeds 33.4 square meters. As long as the second loan is used to buy a house, it is recognized as the purchase of non-improved housing.

2. "Refusing to recognize the loan and not recognizing the house" means that when defining the second suite, if the buyer registers the loan to buy a house in the bank credit information system and the loan is not settled, then when applying for a loan to buy a house, the house is defined as the second suite and above.

3. If the purchaser owns two or more houses under his name, has settled the corresponding housing loan and applied for a loan to purchase a house, the banking financial institution can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.

Extended data:

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.

The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated as the second home loan.

Requirements:

First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children);

Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level;

Third, families who have used loans (including provident fund loans) to buy houses and then applied for housing loans from commercial banks.

References:

Notice on standardizing the second set of housing identification standards in commercial individual housing loans