Some houses with loans can also be mortgaged, but houses mortgaged twice need to meet certain conditions before they can apply for loans: 1, and they need to have legal status; 2, need to have a stable economic income and the ability to repay the loan principal and interest, and no bad credit record; 3. Need to have a legal and effective purchase contract; 4. If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid; 5. If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 years; 6. Being able to provide effective guarantee recognized by the loan bank; 7. Other conditions stipulated by the lending bank. 8. The collateral of mortgage loan is your house. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. Mortgage is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to use collateral to guarantee the creditor's rights that occur continuously in a certain period of time within the maximum amount of creditor's rights. It is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the differences are as follows: (1) the creditor's rights secured by the maximum mortgage are uncertain creditor's rights; (2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights; (3) if there is a maximum mortgage, it must exceed the maximum payment; (4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage. Type of property that cannot be mortgaged 1: property with outstanding loan; Such a property is generally mortgaged or in a state of mortgage, and the bank already owns other rights of the property. In the process of mortgage, it cannot apply for a mortgage loan again. Type 2: partially purchased public houses; This is a purchased public house, and it is impossible to provide a purchase contract or purchase agreement; The other is the central delivery room that cannot provide the listing certificate of the central delivery room. The third category: affordable housing for less than five years; Refers to the management of relocated houses according to affordable housing or purely affordable housing. If it is less than five years, it is not allowed to go public, so it is impossible to make a mortgage loan. Type 4: Small property houses without property right certificates. This kind of real estate can't be listed and traded, can't be mortgaged to the Construction Committee, and can't apply for mortgage consumer loans.
Second, should I pay the down payment for buying a house or apply for a loan after handing over the house?
In the past, I paid the down payment first, then signed it, and then applied for a mortgage.
Now the policy has changed, you choose a good house to pay the down payment, and then apply for a bank mortgage together.
The correct name of bank mortgage is house mortgage loan, that is, the property right of the house purchased by the buyer is used as collateral, and the bank pioneer pays the principal and interest to the bank in installments on a monthly basis. The proportion of bank mortgage is usually between 50% and 80%, and the term varies from 1 year to 30 years.
Extended data:
The most effective means to activate the banking market.
As a kind of mortgage loan, mortgage has its own risks for banks. In the first quarter of 2007, the global financial turmoil triggered by the butterfly effect of American subprime mortgage was partly determined by the market situation of the housing market.
When the market interest rate rises and the housing market is depressed, the lender's repayment ability will face a huge credit grace accordingly, which may lead to a huge financial risk one day.
In September, some commercial banks raised the down payment ratio of mortgage loans, to some extent to prevent this risk.