You can borrow money to buy two houses. After that, there is no way to apply for a loan, only the full amount. However, most cities in China now have a limited purchase policy, and even buyers with local hukou can only buy two houses at most.

Matters needing attention in buying a house by loan

1. Don't use the provident fund before applying for a housing loan.

If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in your personal provident fund account is zero, and your provident fund loan amount is also zero, which means that you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year.

According to the relevant provisions of provident fund loans, the part of early repayment should be carried out one year after repayment, and the amount you return should exceed the repayment amount of six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan.

Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.

What are the benefits of buying a house with a loan?

1, low risk

The risk of buying a house by loan is smaller than that of buying a house in full. Buying a house in full requires a lot of money to pay the house price at one time. If there is something wrong with the house, it will lose a lot of money, and the money lost by buying a house with a loan will be much less. In addition, mortgage loans are loans from banks to buy a house. In addition to buyers concerned about the quality of the house, the bank will also review it. In this way, the insurance for buying a house will increase.

2. Less investment

In fact, many friends around us buy houses by loans, and it seems that it has become a common phenomenon to buy houses by loans. A loan is to borrow money from a bank to buy a house, so you can buy your own house without spending a lot of money at once. So one of the advantages of our loan to buy a house is that we can buy a house with less money.

3. Capital activities

You don't have to invest all your money at once to buy a house with a loan. Lenders can choose to separate the funds, for example, rent out the house and then support other projects, so that the use of funds is more flexible.