The purchase restriction and loan restriction policy has created a big problem for many people who want to change their houses. What is the scope of house recognition? How long is the loan subscription period? Many people actually don’t know whether the house they bought counts as their first home. Here are four points to summarize. If the first home you buy falls into one of these four situations, buying the second home is still considered your first home!

1. The apartment you bought is an apartment

The purchase restriction policies in most cities are only for the sale of commercial housing, and commercial housing, such as apartments with 40-year property rights, are not within the scope of control. If I have already bought a house, but this house is an apartment. If I want to buy another commercial house with a 70-year property right, I will not be affected by the loan restriction policy and can buy a commercial house.

However, if you apply for a loan when purchasing your first home, then although the house you are about to buy is not subject to loan restrictions, it is likely that you will not be able to enjoy the first home loan preferential policy.

2. There is a house in other places but no mortgage loan

The home buyer has a house in his name, but the house is not a local property, and there is no mortgage loan in the name of the home buyer, then the home buyer is in the local area When buying a house, this house will also be counted as the first home and enjoy the first down payment preferential policy.

3. Underage children buy a house independently after they become adults

House subscription and loan subscription are calculated on a family basis. Adult children who buy a house independently in their own name are not subject to this restriction. If you and your parents had a suite when you were a minor, and the entire family only owns one suite, and you want to buy another suite as a wedding room when you become an adult, if your name is removed from the property certificate of the original family home, the other The wedding house purchased is considered the first home. If the name is not removed, the house will be recognized as a second house.

4. The relocated house has not been registered with the real estate trading center

Some buyers have signed a relocation contract because their home is being relocated, but have not yet registered it with the real estate trading center. , I want to buy a house as a transitional house. Although relocation houses are also within the purchase limit, without an online visa, it is still the first time to buy a house. Once you sign online, your purchase will be restricted even if you haven't transferred the property or obtained the real estate certificate.

(The above answer was published on 2017-12-08, please refer to the actual relevant current house purchase policies)

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