1. Can Hangzhou mortgage house be used as a secondary mortgage?
First, it must be possible. Because the secondary mortgage generally refers to the type of mortgage loan that has not been repaid and is mortgaged by the house. Generally, it can be divided into whole house second mortgage and mortgage house second mortgage.
Secondly, the interest rate in two mortgage is divided into two aspects:
1. Types of mortgaged houses; 2. Qualifications of the Lender
First of all, the type of mortgaged house is the most influential. Generally speaking, the full interest rate of the second mortgage is higher than that of the mortgaged house 1.5%-3.0%. Secondly, the loan amount is different. The full house can be loaned to 50-80%, which means that the house with 654.38+00,000 can be loaned to 500-800,000, while the mortgaged house can only be loaned to 50-70% of the repayment. If you change it to 600,000, you can only borrow about 300,000 to 400,000.
The other is the bank's evaluation of the lender's qualification. General banks are divided into four grades of ABCD. The lower the grade, the higher the loan interest rate. Its inherent logic is that banks, as lenders, adhere to their so-called concept that high risks need to match high returns. However, from the perspective of market mechanism, in the process of loan, customers belong to the demand side, so the more high-risk customers banks identify, the more rigid their demand will be. Therefore, as a supplier, banks have given higher interest rates (some sit on the ground and start at a higher price) in order to improve their income. Under normal circumstances, the interest rate of full mortgage is 3.85%, while the interest rate of mortgage loan is 6-7%.
Second, is there any way to keep interest rates as low as possible?
Some methods are the operation of housing to loan. Specifically, it is to convert the mortgaged house (loan interest rate is 6-7%) into a full mortgage loan (3.85%), and then modify the customer's grade qualification (the intermediary will upgrade the customer's personal qualification from a D customer to a B customer or even a customer through the packaging of business qualification, and the annual interest rate can help the customer directly drop from 6-7 to 3.8 or even 2.9). In general, the mortgage interest rate is 65,438+0.5%, which is higher than the full mortgage interest rate. Generally speaking, after packaging, you can achieve the lowest annualized interest rate of 3.8% (more than 2% monthly interest).
At present, many areas are doing this kind of door-to-door lending. We have been familiar with Hangzhou, Beijing, Shanghai, Hangzhou, Hangzhou, Sanya, Nanjing, Hangzhou, Fuzhou, Tianjin, Ningbo, Zhuhai, Suzhou, Wenzhou, Qingdao, Dongguan, Lishui, Wuhan, Jinhua and Chengdu. For a 200w mortgage loan, the mortgage is converted into a mortgage loan.
3. What procedures and materials are needed for the second mortgage of Hangzhou mortgage house?
Two mortgage information of the mortgaged real estate in Hangzhou are as follows:
1. The borrower's valid ID card, household registration book, and personal credit record (if it is not prepared, the bank will also inquire by itself, which may or may not be prepared);
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce); If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
3. The borrower's income certificate (half-year salary bank running water certificate or local tax payment certificate);
4. Real estate title certificate;
5. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).
If the loan is used for other purposes, such as business operation and personal consumption, relevant information shall be provided.
6. The mortgage registration form of Hangzhou Construction Committee and the certificate of other rights issued by Hangzhou Construction Committee;
7. Handle relevant insurance, notarization and other relevant documents according to the loan situation;
The mortgage of the house is divided into two mortgage procedures:
1. The borrower first opens a current deposit account in the bank to borrow money;
2. Information required for preparing the loan;
3. Go to the bank for an interview;
4. Bank filing and approval;
5. After the approval of the bank, the borrower shall be informed of the approval result by telephone and invited to sign a loan contract with the bank;
6. Go to the local construction committee in Hangzhou for real estate mortgage registration; At the same time, Hangzhou local construction Committee issued its right certificate;
7. Handle relevant insurance, notarization and other relevant documents;
8. The bank will directly transfer the loan to the account agreed in the contract;
9. The borrower shall repay the loan principal and interest as stipulated in the loan contract.