It's ok if the conditions meet.

Conditions for applying for loan business:

The age ranged from 18 to 65 weeks.

The actual age of the borrower plus;

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Credit investigation;

Other conditions stipulated by the bank.

Second, can Shanghai get a third loan?

If there are 2 properties under the name, and they are all loans to buy a house, then you can't apply for a loan to buy a house; If there is no real estate and it is not the third loan to buy a house, you can continue to apply for a loan to buy a house.

The loan to buy a house needs to meet the conditions:

1. China residents aged 18-65 with permanent residence or valid residence status in local towns;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.

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. In April 20 12, CSG issued "Ten Articles" to curb the excessive rise of house prices, requiring financial institutions to implement differentiated credit for personal first-home mortgage loans: for families (including borrowers, spouses and minor children, the same below) who purchase the first home, 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. 20 15 three-sector policy iii. 2015 on March 30th, 2065438, the China Banking Regulatory Commission of the Ministry of Housing and Urban-Rural Development of the Central Bank jointly issued the Notice on Issues Related to Individual Housing Loan Policy. (Abstract) 1. For families who own 1 apartment 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 buy ordinary self-occupied housing, 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%. Four, 20 16 two-sector policy does not implement the "purchase restriction" measures in cities, the minimum down payment ratio of commercial personal housing loans for households to buy ordinary housing for the first time is 25% in principle, and can be reduced 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.