<p class="MsoNormal"><span style="font-family: &quot;\\5FAE软雅黑&quot;; display: inline !important;">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</span><span style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp;</span><span style="font-weight: bold; display: inline !important;">贷款买法拍房，如何认定为二套房？</span></span></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;对于贷款买房人来说，首套和二套涉及到的可贷款额度差异较大。<span style="font-weight: bold;">一般来说，法拍房贷款最高额度可达六成</span>。如果购买首套房产，普通住宅最高可贷款6.5成，非普通住宅最高可贷款6成；如果购买的是第二套房产，普通住宅最高可贷款4成，非普通住宅可贷款2成。</spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;近日，个人住房贷款利率新规正式执行，北京首套房贷款主流利率为基准利率为5.39%；二套房贷款利率为基准利率为5.88%。此次房产规定的调整，也将影响法拍贷款利率随之调整。<spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"=""><o:p></o:p></spanyes';font-family:微软雅黑;font-size:10.5000pt;></spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"=""><span style="font-family: 微软雅黑; font-size: small;">&nbsp; &nbsp; &nbsp; &nbsp; 法拍房贷款政策是，银行的首套利率为基准利率上浮5%-10%，二套利率上浮20%，按北京调整后的利率来计算，首套法拍贷款利率约为5.65%-5.95%，二套法拍贷款利率约为10.78%，批贷周期一般为三个工作日（申请贷款资料齐全）。</span></spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;"><br></spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal"><span style="font-family: 微软雅黑; font-size: small;"><br></span></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;">&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal" style="text-align: center;"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"=""><o:p>&nbsp;</o:p></spanyes';font-family:微软雅黑;font-size:10.5000pt;><img src="https://fapai-public.oss-cn-beijing.aliyuncs.com/pic/20191011/1570784098125545.jpeg" style="font-family: &quot;\\5FAE软雅黑&quot;;"></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-weight:normal; font-size:10.5000pt;mso-font-kerning:1.0000pt;"=""><font face="微软雅黑" style="font-weight: bold;"><br></font></spanyes';font-family:微软雅黑;font-weight:normal;></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-weight:normal; font-size:10.5000pt;mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;"><font style="font-weight: bold;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;贷款买法拍房，如何认定为二套房？</font></spanyes';font-family:微软雅黑;font-weight:normal;></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;下面小编为大家详细介绍下，哪些情况会被认定为二套，想买房的人可以对号入座看一看。</spanyes';font-family:微软雅黑;font-size:10.5000pt;><span style="font-family: 微软雅黑; font-size: small; display: inline !important;">&nbsp;</span></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;">　<span style="font-weight: bold;">　</span><span style="font-weight: bold;">1、父母名下有住房，以未成年子女名义再购房。</span>根据新“国十条”中的条款，家庭成员包括借款人、配偶及未成年子女，即未成年子女是被划入家庭范畴内的。子女购房也会按照第二套房政策执行。</spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;">　<span style="font-weight: bold;">　</span><span style="font-weight: bold;">2、未成年时名下有房产，成年后再贷款购房。</span>这种情况下，如果再贷款购房也会被认定为第二套房。根据目前银行认贷又认房的标准，如果不出售现有房产，再贷款购房就是属于第二套房，将按照第二套房政策执行。</spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;"><span style="font-weight: bold;">　　3、个人名下有全款购置住房，再贷款购房。</span>虽然没有贷过款，但只要在房屋产权交易系统中能够查到名下有房产，在不卖掉且申请贷款的情况下，均会被认定为第二套房。<spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"=""><o:p></o:p></spanyes';font-family:微软雅黑;font-size:10.5000pt;></spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"=""><br></spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal" style="text-align: center;"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"=""><o:p>&nbsp;</o:p></spanyes';font-family:微软雅黑;font-size:10.5000pt;><img src="https://fapai-public.oss-cn-beijing.aliyuncs.com/pic/20191011/1570784253125547.jpeg" style="font-family: &quot;\\5FAE软雅黑&quot;;"></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"=""><span style="font-weight: bold;"><font face="微软雅黑">　　</font></span></spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"=""><span style="font-size: small; font-family: &quot;\\5FAE软雅黑&quot;;">&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</span><span style="font-family: 微软雅黑; font-size: small;">4、</span></spanyes';font-family:微软雅黑;font-size:10.5000pt;><span style="font-weight: bold; font-family: 微软雅黑; font-size: small;">个人</span><span style="font-family: 微软雅黑; font-weight: bold;">名下有贷款购买住房，结清出售后再贷款购房。</span><span style="font-family: 微软雅黑;">目前银行对二套房认定是认房又认贷，也就是说虽然这套房产已经出售了，家庭名下没有住房，但因为其有过贷款记录，所以之前贷款购买的房产出售后，再购买时也会被算作第二套房。</span></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;"><span style="font-weight: bold;">　　5、首次购房使用商业贷款，再次购房使用公积金贷款。</span>目前公积金贷款政策也非常严格（不管是国管还是市管也都是认房又认贷），只要借款人有过贷款记录，不论结清或出售，即便从未使用过公积金贷款，首次使用也会被算做第二套房。</spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;"><span style="font-weight: bold;">　　6、婚前一方曾有贷款购房记录，婚后以另一方名义申请贷款购房，但两人户口没有在一起。</span>结婚后虽然户口没有落在一起，但是肯定在民政局有过结婚登记，而银行在批贷时，除要求借款人提供户口簿外，还会要求借款人提供婚姻状况证明或单身证明，所以，另一方再购房时还是会被算作第二套房。</spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p class="MsoNormal"><spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"="" style="font-family: 微软雅黑; font-size: small;"><span style="font-weight: bold;">　　7、婚后双方共同贷款购房，离异后一方再申请贷款购房。</span>只要央行的征信系统中能够查到借款的贷款记录，那么即便离异后房产判给另一方，这一方再贷款购房时一样被认定为第二套房。<spanyes';font-family:微软雅黑;font-size:10.5000pt; mso-font-kerning:1.0000pt;"=""><o:p></o:p></spanyes';font-family:微软雅黑;font-size:10.5000pt;></spanyes';font-family:微软雅黑;font-size:10.5000pt;></p><p><!--[if gte mso 9]><xml><w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true" DefSemiHidden="true" DefQFormat="false" DefPriority="99" LatentStyleCount="260" > <w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Normal" ></w:LsdException> <w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="heading 1" ></w:LsdException> <w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="heading 2" ></w:LsdException> <w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="heading 3" ></w:LsdException> <w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="heading 4" ></w:LsdException> <w:LsdException Locked="false" 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