Wuhan's definition of Second Suite

Two suites can be identified in seven cases

1. If a parent has a house under his/her name and buys a house again in the name of a minor child

Resolution: The new policy stipulates that family members include borrowers, spouses, and minor children. That is to say, minor children are also classified as families. Therefore, when purchasing a house in the name of minor children, they will follow the second suite policy, that is, a 50% down payment is required, and the interest rate is increased by 1.1 times. If you sell this property and make a loan to buy a house again, you can follow the implementation of the first suite loan policy.

2. If you are not a minor, you will have a real estate under your name.

Resolution: according to the Bank's current policy of "credit and House recognition", if the current house is not sold and the house is bought with another loan, it belongs to the second suite and will be implemented in accordance with the policy of the Second Suite. It was originally determined that the second suite was mainly based on the loan record. When I applied for a loan to buy a house in adulthood, it was not counted as the second suite.

3. I have all the houses I have purchased under my personal name, and I will make another loan to buy a house.

Resolution: according to the current policy of the bank, even if there is no housing loan record before, the bank will not sell and apply for a loan if it finds a property under the applicant's name in the housing property right transaction system, it will be regarded as a second suite, which will be implemented according to the loan policy with a down payment of 50% and a 1.1-fold increase in interest rates. In the past, the policy was "credit-recognition and no house ownership". applying for a loan to buy a house after full payment will not be counted as a second house.

4. I have made a loan to buy a house. I have settled the sale and then made a loan to buy a house.

Resolution: currently, the Bank recognizes two homes as "House recognition and loan recognition". Therefore, even if the house is sold, there is no house under the family name, but there is a loan record, therefore, after a loan is made to buy a property for sale, it will be regarded as a second suite.

5. Buy a house with a commercial loan for the first time, and then use a provident fund loan to buy a house.

Resolution: currently, the Provident Fund loan policy is relatively strict. As long as the borrower has a loan record, no matter whether it is settled or sold, even if it has never used a provident fund loan, its first use will be counted as a second suite, therefore, if you use a provident fund loan to buy a house again, the down payment ratio is 50%.

6. One party has a loan to buy a house before marriage, and the other party has a loan to buy a house after marriage.

Resolution: The husband and wife may not have their registered accounts after marriage, but there must be a marriage registration record. The bank will require the borrower to provide a proof of marital status in addition to providing the account book during loan approval, married couples cannot provide proof of being single, so when the other party buys a house again, it will be regarded as the second suite.

7. After marriage, both parties share a loan to buy a house. After divorce, the other party applies for a loan to buy a house.

Resolution: currently, the Bank recognizes two homes as "House recognition and loan recognition". As long as the bank's credit system can find the loan records of the parties, even if the house is awarded to the other after divorce, this party will also be considered as a second suite when purchasing a house with another loan. Therefore, "fake divorce" cannot circumvent the New Deal of the Second Suite.