For rich people, there may be such a situation, for example, they already have two houses in their hands and want to buy a third one, but they don't know if they can borrow another sum. Literally, the third suite is easy to understand, but the government's judgment on the third suite is not that simple. Below I will briefly introduce to you whether the third house can be loaned.

Can I get a loan for the third house?

1. Before applying for the third home loan, individuals must first determine their credibility in the bank and whether they have enough down payment and the ability to repay the loan on time. And whether the application can be passed depends on local conditions.

2. Judging from the current situation, the third house can apply for a loan, provided that it can't buy a house with a provident fund loan. If the applicant has a provident fund loan record for the second suite, it is usually not allowed to use the provident fund loan to purchase the third suite.

3. If you buy a third suite with a commercial loan, the premise is that the previous commercial loan has been paid off, and the commercial loan applied at that time must be calculated according to the first house.

In addition to commercial loans, people can also use mortgage loans to buy the third suite, provided that the previous mortgage loans have been paid off, and they have sufficient down payment and repayment ability and a good credit record.

How much is the down payment for the third house?

1, I believe everyone has heard that buying a third suite is not allowed to apply for a loan. At present, most banks do not handle the third home loan.

It is not easy to apply for a loan to buy a third suite. Although most urban policies do not support the loan application for the third home for the time being, a few areas have relaxed the purchase restriction policy and can apply for the mortgage loan for the third home.

3. apply for a loan for the third house, and the down payment is relatively high. Under normal circumstances, most banks will require applicants to have a down payment of 70% to 80% before applying.

In addition, the loan interest rate of the third suite is very high, so the repayment pressure of the applicant is relatively high.

Editor's summary: after reading the above introduction, I believe everyone has a further understanding of whether the third house can be loaned. Please continue to pay attention to our website for more information, and more exciting content will be presented later.

Can I get a loan for the third suite?

Whether the third suite can be loaned generally needs to be judged according to the actual situation. If the city where you live implements the policy of restricting purchases and loans, it is impossible to apply for a loan to buy a third suite.

Since such policies generally limit the number of sets on a family basis, children cannot apply for loans.

Because if the first two suites under the buyer's name are paid in full, the third suite can generally be loaned. In addition, if it is an employee, the two properties under his name are all loaned through the provident fund, and only commercial loans can be used.

Extended data:

First, according to the current real estate policy, there are no strict restrictions on the number of housing units, but refer to the loan records. If the loans of the first two houses in the buyer's name have not been paid off, the third house is not eligible to apply for loans. However, the policies in some areas are relatively loose, and the third suite can also be loaned. However, the interest rate is relatively high, and the down payment of the house is relatively large, which requires a one-time payment of 70% to 80% of the total house price, which means that the mortgage pressure of buyers becomes greater. In addition, if the property buyer is an employee, there are two properties under his name that are loaned through the provident fund, and the loan method of the third house only supports commercial loans. If the buyer chooses commercial loans for the first two properties and pays off the loans, the loan for the third suite will still be handled as the first suite. But before we apply, we'd better check our credit standing and whether we can afford the monthly mortgage and interest.

Finally, for buyers with two properties under their names, once they buy the third suite and the housing area exceeds 80 square meters, they will be recognized as residential consumption, and a certain property tax will be levied every other year.

2. On April 20 12, in order to curb the excessive rise in housing prices, CSG issued the "National Ten Articles" requiring financial institutions to implement differentiated credit for individual first-home mortgages:

For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. Three-sector policy 20 15

Three, 2065438+March 30, 2005, the central bank, the Ministry of Housing and Urban-Rural Development, and the China Banking Regulatory Commission jointly issued the Notice on Issues Related to Individual Housing Loan Policy. (abstract)

1. For families who own/kloc-0 apartments and have not repaid the corresponding housing loans, in order to improve their living conditions, they should apply for commercial personal housing loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio should be adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.

2. Deposited employees' families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.

Iv. 20 16 two-sector policy

In cities that do not implement the "purchase restriction" measures, households purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%.

For cities that implement the "purchase restriction" measures, the individual housing loan policy is still implemented according to the original regulations. [8] At the end of 201165438+10, Shanghai issued the detailed rules of the purchase restriction order, clearly indicating that Shanghai locals can only buy two houses at most, and foreigners can only buy one set at most in Shanghai. According to the policy requirements, banks in Shanghai will no longer accept the third set of housing loans. 20 12 loans for the first and second homes are already very difficult.

Can I get a loan to buy three houses? How to identify the third suite?

Some people used their life savings to buy a house, while others bought two sets. Those with a better life can buy three sets. No matter how many houses we buy, the problem of loan is that everyone is not familiar with it. Of course, I want to know when I will buy a house. If you want to buy a third house, can you get a loan for the third house? How to identify the third suite?

Some people used their life savings to buy a house, while others bought two sets. Those with a better life can buy three sets. No matter how many houses we buy, the problem of loan is that everyone is not familiar with it. Of course, I want to know when I will buy a house. If you want to buy a third house and get a loan, you need to know the policy in advance. Then I'll tell you if you can borrow three houses. How to identify the third suite?

Can I get a loan to buy three houses?

The third house can generally be loaned, which is determined according to local policies and varies slightly from place to place. Individuals applying for a mortgage loan to buy a third suite require that the applicant has paid off the loans of the first two suites, has sufficient down payment and repayment ability, and has a good credit record.

How to identify the third suite?

1. There are two sets of commercial loan records in the personal name, one set has been paid off and sold, and the other set has not been paid off. In this case, if you refinance, it will be regarded as the third suite.

2. There are two sets of commercial loan records in the personal name, all of which have been paid off and sold. Although they can provide two sets of housing sales certificates and have no real estate under their own names, they are regarded as the third suite when they refinance.

3. A set of commercial loans under the personal name has been paid off, and another set of provident fund loans has also been paid off. The borrower wants to use the provident fund loan to buy another property, which is the third suite.

4. The first-home provident fund loan and the second-home commercial loan in the name of an individual, if the second-home loan is also prepared to use commercial loans, will be regarded as the third suite.

5. Couples, before marriage, one party uses a commercial loan to buy a house, and the other party uses a provident fund loan to buy a house. After marriage, I want to borrow money in the name of husband and wife, which is the third suite.

6. Husband and wife, one party has a house before marriage but has not sold it with a loan, the other party uses a commercial loan to buy a house for their parents, and then uses a provident fund loan to buy a house in the name of the party without a loan after marriage. According to the current provident fund loan policy, no matter whether the property under the individual's name has been sold or not, no matter whether the loan is paid off and sold, it is regarded as the third suite.

These are the three houses I introduced. Can I get a loan? How to identify the third suite? Third, we already know the real estate problem. If you want to buy three houses, you should first go to the relevant local departments to understand the policies, and then buy a house and choose a house. So it won't take us long. Because of some formalities, we will not extend the processing time.

Can I get a commercial loan for the third suite?

The third suite can apply for a commercial loan, which is used to buy a third house. If the previous commercial loan has been paid off, you can apply for a commercial loan when buying a house and treat it as the first suite.

1. Commercial loans, also known as individual housing loans, are approved by the People's Bank of China. Commercial banks and housing savings banks provide loans for urban residents to purchase ordinary houses for their own use, and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as China Construction Bank and Agricultural Bank. The procedures for applying for loans are basically the same. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, it is short-term loans, usually 9 months, and the longest is no more than one year, but there are also a small number of medium-and long-term loans. Such loans are the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Advantages: less restrictions and diverse repayment methods. Commercial loans have no restrictions on whether the lender pays the housing provident fund. As long as the down payment reaches the proportion required by the bank and there is a good credit line, the application procedure is relatively simple. Disadvantages: the loan interest rate is high. The disadvantage of commercial loans is the high interest rate. Due to the high interest rate of commercial loans, the mortgage interest rate also ranks first among several mortgages.

2. Handling procedures: When the borrower signs a house purchase contract with the developer, it is required to pay 30% of the house purchase price; Submit relevant materials to the law firm for review; After receiving the legal opinion issued by the law firm, the bank signs a loan contract, mortgage contract and guarantee contract with the buyer; Handle mortgage registration, home insurance and contract notarization procedures according to relevant materials, and issue loans. The borrower shall repay the loan in equal amount. For the outstanding loan principal, the borrower can return it in one lump sum and still charge interest according to the current demand. No fines will be charged.

3. Commercial loans need to meet five conditions: the original commercial housing loan bank agrees that the borrower will settle the loan in advance; The original commercial housing loan has been repaid for more than 1 year (inclusive), and there is no overdue loan balance; The borrower must be the borrower of the original commercial housing loan or his spouse; The purchased property has obtained the land and house ownership certificate; The borrower has sufficient funds to pay off the original commercial housing loan; If the borrower's funds are insufficient to pay off the original commercial housing loan, it shall apply for a guarantee to the municipal guarantee institution recognized by the management center and the entrusted bank that meets the relevant provisions of the state and has the corresponding guarantee qualification. In addition, we must abide by the national and regional housing provident fund and individual housing loan policies.

Can I get a loan for the third suite?

You can get a loan for the third suite, but you can't use the provident fund loan. You can take a bank loan.

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.

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.