According to the relevant regulations of the state, individuals can only buy two properties by means of loans. The state clearly stipulates that it is forbidden to issue loans to the third suite, and the purchase of the third suite requires a one-time payment. When the bank approves the mortgage application, it will check the applicant's credit record, which will record the borrower's loan situation. If the borrower has applied for a housing loan twice, the bank will reject the borrower's loan application and can't apply for a housing loan anywhere.

To apply for personal housing commercial loans, banks generally require borrowers to provide proof of economic income. For the borrower, it is necessary to provide personal real information. This is because if the borrower's income does not reach a certain level, and the lender does not have enough repayment ability, it is likely to default at the initial stage of repayment. Moreover, providing false materials will reduce the borrower's trust, affect the bank's audit, and lead to the inability to lend money.