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.

Legal basis: Article 221 of the Civil Law of People's Republic of China (PRC) stipulates that if a party signs a house purchase and sale agreement or other agreement on real property rights, it may apply to the registration authority for advance notice registration in order to ensure the realization of future real property rights. After the advance notice registration, if the obligee without advance notice registration agrees to dispose of the real estate, the real right effect will not occur.

After the advance notice registration, the creditor's rights are extinguished or the application for registration is not made within 90 days from the date when the real estate registration can be carried out, and the advance notice registration is invalid.