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第一套房已还请贷款，再买房算不算第二套房？流程怎么走？

第一套房已还请贷款，再买房算不算第二套房？流程怎么走？

浏览：52次 | 提问时间： 07-16 08:40

第一套房已还请贷款，再买房算不算第二套房？

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时间是敌 07-16 08:41

济南二套房能用公积金贷款。首先要注意的一点是，若借款人在购买第一套房时，也是使用公积金贷款购买的，并且还未完贷款，则在购买第二套房屋时，就不能使用公积金贷款。若第一套房是用商业贷款买的，并且正在按揭中，则第二套房可以使用公积金贷款，首付等规定以第二套房计算，即首付最低50%，利率上浮10%。若第一套房的贷款已还清，无论是商业贷款还是公积金贷款，都可以用公积金贷款购买第二套房，相关规定自然也按照第二套来计算。

顾九久 07-16 08:49

第二套房,贷款利率是要在一套房的上面加一些的购买二套购房，首先利率是上浮1.1倍，现在基准利率是7.05。上浮后是7.755贷款金额是根据评估价走的，但是成数不便。您二套购买只能贷评估价的4成，剩余是首付。现在的首套购房利率个别银行可以下浮15%，贷款金额是评估价的7成(其实差距挺大的)我第一套房是现金买的，现在为了孩子上学，想用住房公积金贷款，在外地买房，这样算不算第二套房，首付和贷款利率是不是都执行新标准

狗友太多▽ 07-16 08:57

第一套房首付三成，第二套房首付六成。公积金贷款，第一套首付三成，第二套首付五成，公积金最多只能贷到50万。第一套房首付三成，第二套房首付六成。公积金贷款，第一套首付三成，第二套首付五成，公积金最多只能贷到50万。

持久且熬 07-16 09:06

第一套房贷款己还清，现购第二套房，按照广州的政策商贷可以首付为30％，最高可以贷款70%。

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第一套房已还请贷款，再买房算不算第二套房？流程怎么走？

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第一套房已还请贷款，再买房算不算第二套房？流程怎么走？