According to the current Shenzhen purchase restriction policy, families with Shenzhen hukou can own two houses, and families without Shenzhen hukou can own one house. There is a Shenzhen hukou, and there are two houses under the name. If you sell it, you can buy another one.

According to the current policy of the national loan restriction order, the first-home buyers can make a down payment of 30%, and the second-home buyers can make a down payment of 60%. If there are two loan records, then the bank will not accept the third home loan for the time being.

One way to fold is to pay off all the houses in your name, buy a third suite and pay it off in one lump sum, and then make a consumer loan.

I hope I can help you.