What is the interest rate of the third home loan?

1. At present, banks implement the principle of recognizing loans but not houses. As long as there is no outstanding mortgage under the name of the buyer's family, it can be accepted according to the first home loan policy. The family consists of three kinds of people, my spouse's minor children, and a family who wants to buy another house is called two sets as long as there is an outstanding mortgage. The third suite is also a family unit.

2. If the second loan has not been repaid or the loan has been settled, you can buy a third house according to the first loan, and the down payment can generally be 30%. The current benchmark interest rate is 4.9% (more than 5 years), and the bank will take corresponding interest rate concessions according to your qualifications and credit information.

3. If there is still a set of loans outstanding, you can buy a third house according to the second set of loans, and the interest rate will rise 10% on the basis of the current benchmark interest rate, with a down payment of at least 30%.

4. If the first two sets of loans are not settled, according to the current central bank policy, all banks will refuse to lend if they buy a third suite. You can buy a house in full.

Can I get a loan for the third suite?

First of all, individuals can own a third home, but it is not so easy to apply for a third home loan:

1. Before applying for a third home loan, an individual must first know the credit standing of his bank, whether he is able to bear the down payment of the third home and repay the loan principal and interest on time, and whether he can pass the application depends on local conditions.

Judging from the current situation, the third house can apply for a loan, but it can't be purchased with a provident fund loan. If the applicant has two sets of housing provident fund loan records, then the third house is usually not allowed to use provident fund loans.

3. If you use a commercial loan to buy the third suite, if the previous commercial loan has been paid off, then you can apply for a commercial loan when you buy a house, and it will still be treated as the first suite.

4. In addition to commercial loans, you can also apply for a mortgage loan to buy a third house, but only if the mortgage loan you applied for before has been paid off, and now you have enough down payment, repayment ability and good credit record.

legal ground

Article 209 of the Civil Code of People's Republic of China (PRC)

The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law;

Without registration, it will not take effect, except as otherwise provided by law.

Natural resources owned by the state according to law may not be registered.

Article 2 14 of the Civil Code of People's Republic of China (PRC)

The establishment, alteration, transfer and extinction of the real right of real estate that should be registered according to law shall take effect when it is recorded in the real estate register.

Article 2 15 of the Civil Code of People's Republic of China (PRC)

A contract concluded between the parties on the establishment, alteration, transfer and elimination of the real right of immovable property shall come into effect upon the establishment of the contract, unless otherwise provided by law or agreed by the parties;

Failure to register the real right shall not affect the validity of the contract.