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.

What details should I pay attention to when buying a house with a loan?

1, which should provide true information and not accept fraud.

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.

2. Know the repayment method in advance and choose the repayment method that suits you.

At present, there are basically two repayment methods for individual housing loans: one is equal principal and interest repayment, and the other is equal principal repayment.

Matching principal and interest: the repayment method of matching principal and interest is to add up the total principal and interest of the mortgage loan and then distribute it evenly to each month of the repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month. This method is the most common.

Average capital: in the average capital, the total loan amount is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the month are repaid every month, so that the monthly repayment amount is fixed and the interest is less and less.

The loan calculation formula of average capital:

Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

The advantage of matching principal and interest repayment is that borrowers can accurately grasp the monthly repayment amount and arrange family income and expenditure in a planned way.

Average capital repayment method is more suitable for individuals who have strong repayment ability in the initial repayment stage and want to repay a large amount in the initial repayment stage to reduce interest expenses.

3. Take good care of the contract receipt, and don't lose important documents.

The longest loan period can reach 30 years. As a borrower, you must take good care of your contracts and IOUs. These loan contracts and IOUs signed by banks are important legal documents when applying for mortgage loans.