For rich people, there may be such a situation, for example, they already have two houses in their hands and want to buy a third one, but they don't know if they can borrow another sum. Literally, the third suite is easy to understand, but the government's judgment on the third suite is not that simple. Below I will briefly introduce to you whether the third house can be loaned.

Can I get a loan for the third house?

1. Before applying for the third home loan, individuals must first determine their credibility in the bank and whether they have enough down payment and the ability to repay the loan on time. And whether the application can be passed depends on local conditions.

2. Judging from the current situation, the third house can apply for a loan, provided that it can't buy a house with a provident fund loan. If the applicant has a provident fund loan record for the second suite, it is usually not allowed to use the provident fund loan to purchase the third suite.

3. If you buy a third suite with a commercial loan, the premise is that the previous commercial loan has been paid off, and the commercial loan applied at that time must be calculated according to the first house.

In addition to commercial loans, people can also use mortgage loans to buy the third suite, provided that the previous mortgage loans have been paid off, and they have sufficient down payment and repayment ability and a good credit record.

How much is the down payment for the third house?

1, I believe everyone has heard that buying a third suite is not allowed to apply for a loan. At present, most banks do not handle the third home loan.

It is not easy to apply for a loan to buy a third suite. Although most urban policies do not support the loan application for the third home for the time being, a few areas have relaxed the purchase restriction policy and can apply for the mortgage loan for the third home.

3. apply for a loan for the third house, and the down payment is relatively high. Under normal circumstances, most banks will require applicants to have a down payment of 70% to 80% before applying.

In addition, the loan interest rate of the third suite is very high, so the repayment pressure of the applicant is relatively high.

Editor's summary: after reading the above introduction, I believe everyone has a further understanding of whether the third house can be loaned. Please continue to pay attention to our website for more information, and more exciting content will be presented later.

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