宁波购房攻略：首套房、二套房怎么认定？-小产权房558

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市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心相关负责_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>介绍了_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款对_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房、二套_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>改善型_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房、二套_blank class=infotextkey>get=_blank class=infotextkey>房的认_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>标准：

_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房认_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>标准：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>查询套数为0套，个_blank class=infotextkey>get=_blank class=infotextkey>人征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>报告无尚未结_blank class=infotextkey>get=_blank class=infotextkey>清的个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录，_blank class=infotextkey>面谈_blank class=infotextkey>get=_blank class=infotextkey>记录无_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>get=_blank class=infotextkey>首套自_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房。

二套_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>改善型_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房认_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>标准：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>查询套数为1套，个_blank class=infotextkey>get=_blank class=infotextkey>人征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>报告无尚未结_blank class=infotextkey>get=_blank class=infotextkey>清的个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录，_blank class=infotextkey>面谈_blank class=infotextkey>get=_blank class=infotextkey>记录无_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>第二套_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>改善型自_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房；或_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>查询套数为0套，个_blank class=infotextkey>get=_blank class=infotextkey>人征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>报告无尚未结_blank class=infotextkey>get=_blank class=infotextkey>清的个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录，_blank class=infotextkey>面谈_blank class=infotextkey>get=_blank class=infotextkey>记录_blank class=infotextkey>get=_blank class=infotextkey>有1套_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>第二套_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>改善型自_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房。

二套_blank class=infotextkey>get=_blank class=infotextkey>房认_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>标准：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>查询套数为1套且该套_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房尚未结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业性个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>面谈_blank class=infotextkey>get=_blank class=infotextkey>记录无_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>第二套自_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房；_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>查询套数为0套，个_blank class=infotextkey>get=_blank class=infotextkey>人征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>报告_blank class=infotextkey>get=_blank class=infotextkey>有1笔尚未结_blank class=infotextkey>get=_blank class=infotextkey>清的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业性个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录，_blank class=infotextkey>面谈_blank class=infotextkey>get=_blank class=infotextkey>记录无_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>第二套自_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房。

三套_blank class=infotextkey>get=_blank class=infotextkey>房认_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>标准：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>查询套数为_blank class=infotextkey>get=_blank class=infotextkey>2套；_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>查询套数为1套，而个_blank class=infotextkey>get=_blank class=infotextkey>人征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>报告_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>显示另_blank class=infotextkey>get=_blank class=infotextkey>有1套_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房尚未结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业性个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录；_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>查询套数为0套，个_blank class=infotextkey>get=_blank class=infotextkey>人征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>报告_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>显示_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>2笔尚未结_blank class=infotextkey>get=_blank class=infotextkey>清的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业性个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>记录。

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一、_blank class=infotextkey>get=_blank class=infotextkey>连续缴存_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金满_blank class=infotextkey>get=_blank class=infotextkey>2年，且为_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>首套首贷_blank class=infotextkey>get=_blank class=infotextkey>”——即_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房、_blank class=infotextkey>get=_blank class=infotextkey>首次_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>高可贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>60_blank class=infotextkey>get=_blank class=infotextkey>万元。

二、_blank class=infotextkey>get=_blank class=infotextkey>连续缴存_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金满_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>6个月，非_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>首套首贷_blank class=infotextkey>get=_blank class=infotextkey>”，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>高可贷40_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元。

三、若可贷额度计算_blank class=infotextkey>不足15_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元的，_blank class=infotextkey>get=_blank class=infotextkey>保底_blank class=infotextkey>get=_blank class=infotextkey>贷款额度按15_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元/户计算。_blank class=infotextkey>get=_blank class=infotextkey>保底_blank class=infotextkey>get=_blank class=infotextkey>贷款额度_blank class=infotextkey>get=_blank class=infotextkey>需要_blank class=infotextkey>get=_blank class=infotextkey>满足本笔_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款还贷能力测算的_blank class=infotextkey>get=_blank class=infotextkey>要求。

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_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>商转_blank class=infotextkey>get=_blank class=infotextkey>公_blank class=infotextkey>get=_blank class=infotextkey>”的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程如_blank class=infotextkey>get=_blank class=infotextkey>下：1.将_blank class=infotextkey>get=_blank class=infotextkey>贷款所需_blank class=infotextkey>get=_blank class=infotextkey>资料提交承办_blank class=infotextkey>get=_blank class=infotextkey>银行；_blank class=infotextkey>get=_blank class=infotextkey>2.在_blank class=infotextkey>get=_blank class=infotextkey>资料齐_blank class=infotextkey>get=_blank class=infotextkey>全且符_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>条件的，承办_blank class=infotextkey>get=_blank class=infotextkey>银行在受理后_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>3个_blank class=infotextkey>get=_blank class=infotextkey>工作日内提交_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心审批(提交_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心_blank class=infotextkey>时，_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>收到_blank class=infotextkey>get=_blank class=infotextkey>一条_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心已受理的短_blank class=infotextkey>get=_blank class=infotextkey>信)；_blank class=infotextkey>3._blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心在_blank class=infotextkey>get=_blank class=infotextkey>4个_blank class=infotextkey>get=_blank class=infotextkey>工作日内_blank class=infotextkey>get=_blank class=infotextkey>完成审批(_blank class=infotextkey>get=_blank class=infotextkey>通过审批_blank class=infotextkey>时，_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>收到_blank class=infotextkey>get=_blank class=infotextkey>一条_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心审批_blank class=infotextkey>get=_blank class=infotextkey>通过的短_blank class=infotextkey>get=_blank class=infotextkey>信)；4._blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款抵押，_blank class=infotextkey>get=_blank class=infotextkey>同_blank class=infotextkey>时_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款抵押_blank class=infotextkey>get=_blank class=infotextkey>登记_blank class=infotextkey>get=_blank class=infotextkey>手续；5.普通 _blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款符_blank class=infotextkey>合放贷_blank class=infotextkey>get=_blank class=infotextkey>条件的，5个_blank class=infotextkey>get=_blank class=infotextkey>工作日内放款(放贷当天_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>收到_blank class=infotextkey>get=_blank class=infotextkey>一条_blank class=infotextkey>get=_blank class=infotextkey>贷款已发放的短_blank class=infotextkey>get=_blank class=infotextkey>信)。

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二、_blank class=infotextkey>get=_blank class=infotextkey>没交付的期_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不能办_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>商转_blank class=infotextkey>get=_blank class=infotextkey>公_blank class=infotextkey>get=_blank class=infotextkey>”。_blank class=infotextkey>get=_blank class=infotextkey>一般来说，_blank class=infotextkey>get=_blank class=infotextkey>购买期_blank class=infotextkey>get=_blank class=infotextkey>房的，在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋结顶后_blank class=infotextkey>就能_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款，此_blank class=infotextkey>时距交付可能_blank class=infotextkey>get=_blank class=infotextkey>还_blank class=infotextkey>get=_blank class=infotextkey>有一两年_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间。而在交付前，_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>办理契税完税凭证和_blank class=infotextkey>不动_blank class=infotextkey>get=_blank class=infotextkey>产权证，故_blank class=infotextkey>get=_blank class=infotextkey>无法_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>商转_blank class=infotextkey>get=_blank class=infotextkey>公_blank class=infotextkey>get=_blank class=infotextkey>”。

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