Nowadays, house prices in many cities have dropped, and many favorable policies have been introduced. This has made many people who have a house under their name become interested in buying a second house again. But I believe friends who know a little bit know that there are certain discounts when buying a first home. In comparison, the second home will be more expensive than the first home, and it will be more difficult due to purchase and loan restrictions. However, if you meet these four conditions, even if you already have a house in your name, you can still count it as your first house when you buy a second house and enjoy discounts. Come and take a look!

First of all, we need to know what is the difference between the first house and the second house? When buying a second house, the bank's loan interest rate will be increased by 10% on the basis of the first loan, and the loan amount will be lower; compared with the loan taken when buying a house for the first time, you want to If you go to a bank for a loan to buy a second house, you will go through more procedures and the review will be more difficult. Generally speaking, banks are not willing to lend you a large amount of funds. So what kind of people can still enjoy the discount for their first home when buying a second home?

1. Purchased non-local real estate in full amount

If you have bought a house in a city and did not go to the bank for a loan, then when you change the city After that, you can still take out a loan and buy another house in this city. In this case, it will still be counted as your first home and you will enjoy corresponding discounts and conveniences.

2. The first house is a commercial and residential house

If the first house you ever bought is a commercial and residential house, whether you buy it in full or with a loan Yes, if you want to buy a second house, it can be counted as the first house for discounts. Because the purchase restrictions in many cities are for commercial housing, but there are no restrictions on commercial and residential housing, interest rates and loans will not be greatly affected.

3. Real estate acquired before minors

Nowadays, many parents will write the names of their minor children on the real estate certificate of their home. If you are like this If you are in a certain situation, and there is only this one property in your home, then when you become an adult, you only need to remove your name from the original property certificate, and buying another house can be regarded as your first home.

4. Unregistered houses of demolished households

If you are a demolished household and got a house due to real estate replacement, but this house did not go, the real estate trading center will file it. , then if at this time you want to buy another house as a transitional residence, as long as it is purchased without an online visa, it can be counted as the first house; of course, if you are If you sign online, you will not be able to enjoy the discount for the first home.

If you meet all of the above four requirements, then even if you already have a property in your name, when you buy a house, it can still be counted as your first home and you will enjoy a certain discount. And discounts, you may also be able to save a lot of money when buying a house! The editor's friend has been frantically looking for housing on the Internet recently. He is debating whether it is better to choose commercial housing or shops. After all, it is so popular to browse online shops now, right? If you have any questions about the above content, please leave a message below and we will reply in time. Thank you for reading!

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