I should not be able to apply. Now it is definitely forbidden to speculate in real estate.

First, in terms of loan types, it is generally appropriate to gradually upgrade from small to large, and you can first obtain certain strength through effective pledge, mortgage or application for working capital loans.

Second, in terms of loan amount, if you are rich, you should do what you can to avoid big investment.

Thirdly, in terms of loan interest rate, according to the relevant regulations of the People's Bank of China, the loan interest rate of commercial banks can rise within 30%. However, the floating interest rates of banks and credit cooperatives are not consistent, so when applying for loans, financial institutions can' shop around' for loans.

Four, bank financing loans are divided into six months (including six months) and 6~ 12 months (including 1 year), and the contract interest rate is implemented, and interest is not calculated by segments; Medium-and long-term loans are divided into three grades: 0-5 years and 5 years and above. Interest is calculated in stages for medium and long-term loans. When the loan interest rate is adjusted, the next new interest rate will be applied.

Second, can I get a loan for the third family suite?

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Although many places canceled the purchase restriction, they did not cancel the purchase restriction. According to the latest policy of restricting purchases and loans, both banks and provident fund management centers have stopped lending to the third suite, which means you can't apply for commercial loans and provident fund loans to buy the third suite, but you can only buy the third suite in full.

3. Can I get a loan for my husband and wife's three suites?

At present, we can only borrow money to buy a second house. According to the current bank loan policy, if both husband and wife have bought two or more houses and two or more houses are being loaned, the bank that applies for housing mortgage loan again will not grant credit, that is, refuse to lend. If you have purchased multiple houses, but the loan has been settled, or there is only one loan, you can apply for a mortgage loan. Those who have no loan can enjoy the first home loan, and those who have 1 loan can be counted as the second home loan.

Can I borrow money to buy a house in the fourth and third suites?

Legal analysis: the third suite cannot be bought by loan, because only the second suite can be bought by loan. According to the current bank loan policy, if both husband and wife have purchased two or more houses and two or more houses are being loaned, the bank that applies for housing mortgage loan again will not grant credit, that is, refuse to lend.

Legal basis: Notice of the Housing Fund Management Center of the Central State Organs on Adjusting the Individual Housing Loan Policy of Housing Provident Fund and Further Optimizing Services II. Adjust the loan application conditions.

(2) Adjust the loan application conditions. The loan applicant shall meet the following conditions when applying for a loan:

1. When applying for a loan, the loan applicant should continuously deposit the housing provident fund for more than 6 months (inclusive) and his housing provident fund account is in a normal deposit state; Or with the approval of the housing fund management center of the central state organs (hereinafter referred to as the fund center), the paid employees are in a state of deferred payment, sealing up or retirement cancellation.

2. The borrower and his wife have no outstanding housing accumulation fund, individual housing loan and policy discount loan.

3. Meet other conditions stipulated by the Fund Center.