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.