From a practical point of view, the basic conditions for loans are:

First, it is medium;

Second, it has a stable address and work or business premises;

Third, there is a stable source of income;

Fourth, there is no bad credit record, and loans cannot be used for stock trading and gambling;

Fifth, have full capacity for civil conduct.

My present house was bought by mortgage loan. Can I use it again now? ...

If it is China Merchants Bank, it does not accept secondary mortgage at present, that is, the mortgaged property cannot be used as collateral to apply for a loan again. Specific policies can also be confirmed by contacting the personal loan department of local China Merchants Bank outlets.

3. How much is the second mortgage interest rates of CCB mortgage house?

In the second mortgage, there are not many loan institutions and banks to choose from, so which one to choose for real estate has become a headache for many customers, because it is very important to consider security, interest rate, quota and loan. The speed difference between different banks and institutions may be about 1 month. Then, which bank is good for the second mortgage of real estate? Which bank has the lowest interest rate for the second mortgage?

Comparative application conditions

Different banks have different conditions to apply for the second mortgage of real estate, such as credit status, personal income, work unit and repayment ability. When a loan company applies for a second mortgage of real estate, it mainly depends on whether the real estate value is high or not and whether it has liquidity. Credit status is good or bad. Borrowers with debts can generally borrow from banks or loan companies as long as they can provide qualified real estate for secondary mortgage.

Comparative loan interest rate

Compared with credit loans, the risk of secondary mortgage of real estate is lower, because there is real estate as a guarantee for bank loans. But at present, the interest rates of two mortgage products of different banks are different, and the loan interest rates of the same bank in different regions will be different.

At present, the second mortgage interest rate of bank real estate is floating on the basis of the benchmark interest rate. 20 17 The benchmark annual interest rate of banks is within one year (including one year), 4.35%, 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it

Compare approval speed

There are many procedures for real estate in two mortgage banks, and the approval time will be longer. It will take about 20 working days at the earliest to get the loan. The loan company has simple procedures and quick approval, and it usually takes 10 working days to get the loan.

Compare loan amount

Generally speaking, the amount of the second mortgage bank loan of real estate is related to the appraised value of the house, and the maximum is about 70%.

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

4. Can the mortgage house of CCB borrow another 65,438+10,000 yuan?

CCB can refinance 654.38 million yuan with the mortgaged house. What is mortgage refinancing? Refers to the borrower who has applied for personal housing mortgage loan in the bank to change the mortgage and get the loan again. You can get more loan balance without selling the mortgaged property, thus realizing the refinancing of the mortgaged property.

First, the application conditions for the mortgage of the mortgage house of China Construction Bank:

1. 18 to 65-year-old China citizens with valid identity documents.

2. Have a proper occupation, a stable income, the ability to repay the loan principal and interest in full and on time, and a good credit record.

3. Agree to mortgage the property and its rights and interests in the name of an individual as a condition for loan issuance.

4. There is a legitimate financing purpose.

Two. Application materials for the mortgage of CCB's mortgage house:

1, property certificate and other collateral ownership certificates.

2. ID card, household registration book and proof of marital status of the applicant and spouse.

3. Proof of income of the applicant and his spouse.

4. Relevant certificates of loan use.

5. Other relevant information required by the bank; Bank interest rate and repayment method;

1, and the bank interest rate is subject to the commercial loan interest rate stipulated by the People's Bank of China for the same period or fluctuates appropriately;

2. If the loan term is less than one year, you can choose to repay the principal and interest on a monthly or quarterly basis, and repay the principal in one lump sum at maturity; If the loan term is over one year, you can choose to repay the principal and interest on a monthly basis or repay the principal.