You can still get a loan if you have a mortgage, because the house can be mortgaged twice. The second mortgage is more convenient than the first mortgage, and the loan speed is faster, but the interest rate is higher.

The requirements are as follows:

1. The house used for secondary mortgage must be an existing house; 2. The property has been registered as a mortgage, and the handling bank is from housing mortgages; 3. The real estate license is managed by the customer himself; 4. The balance of the house purchase loan with the secondary mortgage loan of the property is lower than 70% of the current house price; 5. The borrower has full capacity for civil conduct, stable income and good credit; 6. The property should be high-quality housing and commercial housing with great market development potential. Although two mortgage has effectively increased the amount of loans, it should be noted that there should be some loanable space for housing in two mortgage. In other words, if the first loan amount only reaches 30% of the appraised value of the mortgaged house, choosing the second mortgage will undoubtedly greatly increase the loan amount.

Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing consultation hotline: 0769-33888836

Can rural houses be mortgaged to bank loans?

You can't. Only commercial housing can be mortgaged to bank loans, because commercial housing can be traded freely (complete procedures, easy to cash out); Rural housing land is collective land and can only be suggested within the collective (the kind that can be legally traded and transferred).

In other words, houses in rural areas can be traded even if the formalities are complete, but if they are overdue or not returned, no one will participate in the auction of such houses, and the risk of banks recovering funds is great. This is the fundamental reason why rural houses cannot be mortgaged to bank loans.

Can farmers' houses be mortgaged?

In the past, rural housing could not be mortgaged, mainly because rural housing only had collective land use warrants and no housing ownership certificates, that is, rural housing lacked registration and confirmation system and property rights were unclear. Therefore, when farmers apply for mortgage loans for rural houses, the rural houses need to be approved by the village committee, which is the land ownership unit where the houses are located. Moreover, the mortgagor must have the right to dispose of the mortgaged property. If * * * has property as collateral, it must obtain the consent of * * *.

First of all, the mortgaged house must be registered with the ownership of the house and obtain the ownership certificate issued by the real estate registration authority. The "Interim Measures" stipulates that in order to register housing ownership, the applicant needs to submit an application for housing ownership, a valid identity document, a collective land use certificate, a statement on housing project quality, and a mapping report on the registered housing construction area to the housing management department.

Secondly, for housing mortgage registration, the applicant should submit an application for mortgage registration to the housing management department, as well as the identity cards, loan and mortgage contracts, collective land use certificates and housing ownership certificates of the mortgagor and mortgagee. If the ownership is disputed or the collective land use certificate or house ownership certificate has not been obtained, no mortgage may be set.

The loan collateral is appraised by a professional appraisal agency, and the loan amount is generally 60% of the collateral value. Your situation should be able to meet the demand for a loan of 30 thousand.

It should be reminded that according to Article 62 of China's Land Management Law, "rural villagers can only own one homestead. The area of homestead shall not exceed the standards set by provinces, autonomous regions and municipalities directly under the Central Government? If a rural villager applies for a homestead after selling or renting a house, it will not be approved. "

This is the end of the mortgage loan for the right to use rural houses and the mortgage interest rate for the right to use rural houses. I wonder if you found the information you need from it?