1, through bank loans. Usually, it is necessary to repay the loan in advance, and then mortgage it in other banks after paying off the remaining loan of this property. However, in some banks, mortgage houses can be directly mortgaged. Banks have different requirements for the second loan of mortgage houses. I suggest you consult your local bank outlets in detail.

2. Loans through guarantee companies. There is no need to prepay, but the loan amount generally cannot exceed the residual value of the mortgaged property.

It should be noted that not all properties can be mortgaged twice. The second mortgage of real estate is usually restricted by certain conditions. The conditions are as follows: the house used for the second mortgage of individual housing must be an existing house, and the house should be a high-quality house or a commercial house with great market development potential. If the property has no high economic value, it is usually impossible to apply for a loan smoothly. In other words, usually only houses with superior location, convenient transportation, complete facilities and great appreciation potential can apply for a second mortgage.

In addition, the amount of the second mortgage of the property will not be very high. Generally speaking, loan amount = house value * mortgage rate-original loan principal balance.

Which houses can be mortgaged twice?

1, quality housing

According to experts from Qijia. Com, the house that can be used in two mortgage is definitely a popular property in the market. For example, high-quality housing is very suitable. The housing is not only strategically located, but also has convenient transportation, complete facilities and great appreciation potential. It is very easy for two mortgage borrowers to apply for this kind of housing.

2. Commercial buildings

Commercial housing has greater commodity nature and direct realization value, and is usually located in a relatively prosperous position, including various business districts and CBD. And their market development potential is relatively large, which can be used for secondary mortgage.

3. First-hand existing houses

If an individual wants to apply for a second mortgage of a house, the premise is that the house is an existing house. If it has not been handed over, it must be approved. In addition, it must be a first-hand house, and the value of second-hand houses is much lower than that of first-hand houses, which is also not suitable for secondary mortgage.