You can still get a loan for buying a third house, but generally you can only apply for a commercial loan. Before applying for the third home loan, you must first know the credit standing of your bank, whether you have the ability to bear the down payment of the third house, and whether you have the ability to repay the loan principal and interest on time. Whether you can apply depends on the local situation. If the applicant has two sets of housing provident fund loan records, then the third house is usually not allowed to use provident fund loans.