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房贷共同还款人买房算二套吗
更新时间: 2020-11-12 00:00:00  

房贷共同还款人买房算不算第二套房,要看征信中有没有房贷记录。如果征信中有房贷查询记录与贷款记录,那么再买房就算是第二套房。征信中没有查询记录与贷款记录,只是说婚后与配偶一起还房贷,这时候申请房贷是算第一套房。

银行对于首套房与二套房的认定,主要是看征信报告,征信报告中没有房贷记录,那么用户申请房贷则算是首套房。

关键词: 共同 还款 买房

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