In real life, there are many places where money is needed. If you have a mortgage, you don't have much savings at home, and you need to spend a lot of money in case of emergency. Therefore, at this time, many owners will want to mortgage their mortgaged houses. Then, can a house be loaned with a mortgage? Let's explore the answer together!
1. Yes, not only can you borrow from private lending institutions, but many banks also have this kind of business. However, it should be noted that not all banks have the business of "housing secondary mortgage". For example, Bank of China cancelled this kind of loan business on 20 13. Therefore, the owner should find a bank loan with this business.
2. It is understood that there are two main ways to handle the secondary mortgage of a house: a. Go directly to the original loan office of your house, but at this time you must repay the loan and principal and interest in full and on time within a period of time, and the credit must be good; B, find a guarantee company to advance the loan, then go through the mortgage formalities, and finally use the house to handle the mortgage loan.
3. For the second mortgage of the house, the loan amount is generally determined according to the residual value of the house, and its calculation method is: house value × mortgage rate-original loan principal balance. Among them, as long as the value of the house is based on the lower of the original purchase price and the evaluation price at the time of secondary mortgage. In terms of mortgage interest rate, the maximum mortgage interest rate for self-occupied housing does not exceed 70%, and the maximum mortgage interest rate for commercial housing does not exceed 50%.
It should be noted that if you don't have the repayment ability, don't take this house to get a loan easily, otherwise it will greatly increase your burden.
Editor's summary: The above introduces the related contents of whether the house can be mortgaged, hoping to give you some little help. If you need to know more about mortgage loans, you can continue to lock our website, and the follow-up content will be more exciting!
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