According to the Measures for the Administration of Personal Housing Loans of Commercial Banks issued by the People's Bank of China, the third house can be loaned, but certain conditions need to be met. First of all, borrowers need to have repayment ability, including a stable source of income and a good credit record. Secondly, according to local policies and regulations, the interest rate of the third home loan may rise and the down payment ratio may increase. So the third set can be loaned.