This kind of business can be done, but there is a prerequisite \x0d\ 1 for the real estate license. \x0d\2 Residual value of mortgage loan before deduction of real estate. If the previous mortgage loan amount is far less than the property value, for example, the property value is 6.5438+0 million, only 6.5438+0 million is mortgaged, and there are more than 900,000. \x0d\3 Secondary mortgage can only take the residual value as collateral value, and general bank loans will be discounted, such as 60% discount. You can only mortgage 90 times 0.6, which is 540 thousand. \x0d\4 If a second mortgage is made, it is better to make an additional mortgage in the same bank, which is easier to operate.

What is a second loan?

For example, if you have mortgaged your property for 20 years, you have already paid it back 10 years. If you apply for a loan again, it's called a second loan.

What is the second loan and what is the second loan knowledge?

The second loan is based on the same conditions, such as assets, re-employment, and loans. Personal understanding is wrong!

What does a second mortgage mean?

On the basis of paying off a certain amount of first-class loans, you can apply for a certain amount of loans from financial institutions, which is called second-class loans. Not every bank has this business, and every bank that handles this business has different regulations, and there are many restrictions on secondary loans. For example, the nature of housing, the nature of insurance, and the appreciation potential. There is also a second loan that generally does not enjoy interest concessions, but will charge interest. Because the original loan balance has to be subtracted, the amount of funds that can be borrowed is relatively small. Ordinary bank employees are reluctant to handle this business.