Twice.
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.
How many commercial loans can a person borrow to buy a house? What is the maximum loan amount?
First, there is no specific number of times, but if you approve the loan according to your current debt and your income level, you will not approve the loan. Banks have a limit control on personal loan credit, which will lead to the situation that if the personal credit limit is exceeded, the loan will not be available in the future; If the payment of family members is overdue, it will directly affect your personal credit. If unable to repay, the house will be auctioned, and individuals may be blacklisted in the future, and loans will be directly affected in the future.
Second, it is suggested that family members should be used as borrowers to apply for loans and improve the approval rate.
Extended data
Personal housing commercial loans are self-operated loans issued by banks with their credit funds. Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee with the purchased property housing (or other guarantee methods recognized by the bank) as collateral when purchasing the urban self-occupied housing in this city.
Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller and the loan bank agreed that the real estate guarantee enterprise would provide guarantee to the bank for the residents' house purchase loan.