日前,北京市住建委、央行管理部、北京市金融工作局等五部门发布《关于落实商业性个人住房贷款中第二套住房认定标准有关问题的通知》。《通知》规定,已全款购得首套房、贷款购买第二套房时,仍将视为二套房,不享受“首付二成”、“利率打折”等优惠。银行在房贷前, Recently, the Beijing Municipal Construction and Construction Commission, the Central Bank Department of Management, the Beijing Municipal Financial Work Bureau and other five departments issued “on the implementation of commercial housing loans in the second set of criteria for the identification of housing issues notice.” “Notice” provides that the first paragraph has been purchased the entire suite, loan purchase of the second suite, will still be regarded as two suites, do not enjoy “down payment ”, “interest rate discount ” and other concessions. Bank mortgage before,