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I have a shop and then buy a house. Is it a second suite?
Not exactly.

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.

Shops are real estate specially used for business activities, and are places where operators provide commodity transactions, services and experiences to consumers. Broadly speaking, the concept of shops includes not only retail business, but also real estate for entertainment, catering and tourism, profitable exhibition halls, sports venues, bathrooms, and commercial premises with physical buildings such as banks and securities.

Extended data

Seven situations in which the bank approves the second suite:

1, own a house and buy a house for adult children.

If the name of the adult child is written on the house property certificate under the parents' name, then buying a house for the child is the second set; Otherwise, it is the first set.

2, own housing, in the name of minor children to buy again.

According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

3. If you have a property under your name when you are a minor, you can borrow money to buy a house when you are an adult.

According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite.

4. Buy a house in full, and then borrow money to buy a house.

As long as it can be found in the housing property rights trading system that there is real estate under its name, it will be identified as a second suite if it is not sold and does not apply for a loan.

5. If you have a loan to buy a house, you can borrow money to buy a house after the sale.

Although the property bought by the loan has been sold, there is no housing under the family name, but because of the previous loan record, applying for a mortgage will also be considered as a second suite.

6. First buy a house with a commercial loan, and then use the provident fund to buy a house.

As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, even if the provident fund loan has never been used, the first application for provident fund loan is considered as a second suite.

7. Before marriage, one party borrowed money to buy a house, and after marriage, it bought it in the name of the other party and the accounts were not together.

When issuing loans, banks require borrowers to provide proof of marital status in addition to household registration books. Married couples can't provide proof of single status, and when they buy a house again, they will count the other party as a second suite.

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