Lenders can still borrow money if they have a mortgage, because ordinary houses can be mortgaged twice. The second mortgage is more convenient than the first mortgage, and the bank will lend faster, but the interest rate is higher than the first mortgage. The requirements for the second mortgage of the house are as follows:
1. The house used for secondary mortgage must be an existing house, not a temporary one;
2. The property has completed the first mortgage registration, and the handling bank is from housing mortgages;
3. The real estate license is held by the lender himself;
4. The two mortgage balance of the property is lower than 70% of the current market house price valuation;
5. The borrower is a natural person with 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 loan amount, it must be noted that the operation of housing two mortgage should have certain loanable space. That is to say, if the amount of the first loan only reaches 30% of the value of the mortgage real estate assessment, choosing the second mortgage will undoubtedly greatly increase the loan amount. Generally speaking, the bank's housing loan is not so easy to apply for, and the unsuccessful application may also affect the lender's credit record. Therefore, in order to obtain lower financing costs and handle large bank loans conveniently and quickly, lenders usually go to professional institutions for reasonable analysis, and then choose appropriate financing methods according to the analysis of professional institutions.
: The related expenses required for real estate mortgage are as follows:
Real estate mortgage generally refers to the form of going to the bank to handle the loan mortgage formalities, and there will also be a handling fee in the middle, so you must know the amount of related expenses in advance and make relevant preparations in advance. In case you forget later. Handling fees for real estate mortgage loans mainly include: appraisal fees, attorney fees, insurance fees, mortgage registration fees and notarization fees.
China Construction Bank has a mortgage, can it still get a loan?
can
If you have a mortgage loan, you can also apply to CCB for a quick loan with a maximum amount of 5 million yuan and a maximum loan period of 5 years. However, CCB's fast loans are only for fixed people. There are three types of customers who can apply for quick loans from CCB.
The following is a detailed introduction:
1. The applicant is a housing loan customer of CCB and has not paid off the loan.
2. The applicant has deposits, wealth management products and national debt in CCB.
3. The applicant is a private banking customer of China Construction Bank. Please refer to 95533 for details. In other words, anyone who meets any of the above conditions can apply for a quick loan at CCB. The threshold for private banks and housing mortgage loans is relatively high. For wage earners, they can obtain the qualification of quick loan by opening an account in CCB, purchasing wealth management products of CCB or purchasing government bonds on behalf of CCB.
Loan conditions refer to the conditions that borrowers or individuals should have to borrow from banks. The current loan conditions of Chinese banks are:
(1) An enterprise established with the approval of the competent department and holding a business license issued by the administrative department for industry and commerce at or above the county level, and a product with a production license for industrial products implemented by the state shall obtain a production license, that is, the loan object is legal;
(2) independent economic accounting, with capital utilization, production and operation management, that is, the loan object has obtained legal person status and assumed clear economic responsibilities;
(3) Have a certain amount of self-owned liquidity and establish a liquidity supplementary system, that is, the loan object should have the ability to operate normally and take risks;
(4) Open an account in a bank and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of the bank.
Agreed principles
The principle of legal, voluntary and honest shopping
The principle of legality means that the negotiation of loan terms should comply with relevant laws and regulations. The principle of voluntariness requires both the guarantee company and the cooperative bank to sign the contract out of their own will, not under the environment of non-economic coercion. In China, when agreeing on loan terms, special attention should be paid to excluding the influence of administrative intervention by government departments. The principle of good faith stipulates that once the loan terms are negotiated, all parties should keep their promises and try their best to fulfill their obligations to ensure the smooth completion of the contract.
The principle of equality and fairness
The principle of equality and fairness means that both sides are equal economic subjects, and when negotiating specific conditions, one of them cannot use its dominant position to seek unequal interests for himself. It is particularly important for both parties to abide by this principle when agreeing on loan terms. At present, the guarantee company is small in scale and in a weak position compared with banks. Therefore, in the process of carrying out the guarantee business, the bank gains income but bears little risk. This is not in line with the principle of equal interests and risks, and it is not conducive to the development of long-term stable relations between the two sides.
In addition, because banks have the advantage of knowing the use of corporate funds, they also need to bear certain risks in order to successfully implement the guarantee conditions, thus prompting banks to actively supervise the use of corporate funds. Finally, from the practice of the development of guarantee institutions in developed countries, cooperative banks in these countries also bear certain risks. In different countries, the proportion of risk is different. Some national cooperative banks bear a higher proportion, reaching 30% ~ 50%; Some countries bear a lower proportion, but there are also 10% ~ 20%.
The principle of doing what you can.
The principle of living within our means means that both guarantee companies and cooperative banks should conduct business according to their own actual conditions when agreeing on loan terms. For a guarantee company, it should carry out business and operate steadily according to its own scale and the actual situation of the enterprise. You can't blindly improve the level of guarantee and take too many risks in order to attract business, which may eventually damage your own assets, profits and reputation.
Can I still apply for a loan if I have a mortgage in CCB?
Can I still apply for a loan if I have a mortgage in CCB?
Have a certain repayment ability, and those with good personal credit information can apply.
Conditions for applying for bank loan business:
1, 18 to 65 years old natural person;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information, no bad records, and legal use of the loan;
5. Meet other conditions stipulated by the bank.
If you meet the above conditions, you can apply for a loan business at a local bank.
To apply for a bank loan, you need to prepare materials:
1, valid ID;
2. Proof of permanent residence or valid residence, and proof of fixed residence;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Loan use plan or announcement;
8. Other information required by the bank.
A certain repayment ability and good personal credit reference are the conditions for applying for bank loan business: 1,1a natural person aged 8 to 65; 2. The borrower's actual age plus the loan application period shall not exceed 70 years old; 3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule; 4. Good credit information and no bad records. If the loan is used in CCB and there is a mortgage, can I still apply for a loan?
I have a mortgage in CCB, can I still get a loan in CCB?
Hello, as long as your personal debt ratio meets the loan requirements and your credit information is good, it will not affect other loan applications. The above answers are provided by Ronglian Ye Wei for your reference.
I have a mortgage in China Construction Bank. Can I borrow the decoration?
You can apply for a decoration loan in the following ways:
If you have applied for a housing loan in our bank, you can contact the handling bank to apply for an exclusive decoration loan for supporting house purchase;
If you haven't applied for a housing loan in our bank, you can also apply for a decoration consumer loan with your own property as collateral.
I have a mortgage in Bank of Communications. Can I still apply for a loan?
Yes, as long as you meet the requirements of other loans and your income is twice the monthly payment of all loans, you can borrow.
Conditions for individuals to apply for a mortgage:
(1) The borrower is 20-55 years old and is a citizen of Chinese mainland, and his/her identity certificate (refers to the valid residence certificate such as resident ID card and household registration book);
(2) Proof of stable economic income of the borrower's family;
(3) Letter of Intent, agreement, real estate license and other approval documents that meet the requirements;
(4) List of mortgaged property or pledge, certificate of ownership, and certificate that the person who has the right to dispose of it agrees to mortgage or pledge; Collateral evaluation certificate issued by the competent department, and the guarantor agrees to provide written documents of guarantee and credit certificate of the guarantor;
(5) To apply for housing provident fund loans, a certificate issued by the housing provident fund management department is required;
(6) Other documents or materials required by the lender to explain the purpose of the loan to the bank and prove its ability to repay the principal and interest.
I have a mortgage in CCB, can I still apply for a decoration loan?
Conditions for applying for loan business:
Natural persons aged between 18 and 65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit information, no bad records, and legal use of the loan;
Other conditions stipulated by the bank.
I have a commercial housing loan in China Construction Bank. Can I still get a loan from CCB?
Hello, as long as your personal asset-liability ratio meets the loan requirements, there is no problem with your personal credit information, which has no impact on the application for other financial services. The above answers are provided by Ronglian Ye Wei for your reference.
I have a mortgage in China Construction Bank. Can I still go to two mortgage?
Yes, as long as it is a mortgaged house, it is completely unnecessary to mortgage it. Use the running water of your mortgaged house as collateral.
Can CCB get a quick loan with a mortgage?
Hello:
Yes, and these two have no influence.
Mortgage loan process:
1. application
The customer submits a written loan application to the bank and submits relevant materials.
sign a contract
After receiving the approval notice from the bank, the loan applicant will go to the bank to sign a loan contract and a guarantee contract, and go through notarization, mortgage registration, insurance and other related procedures as appropriate.
Open an account
Entrusted deduction and repayment. The customer signs an entrusted deduction agreement with the bank, and opens a special repayment account, savings card and credit card account at the designated business outlets. At the same time, the seller shall open a settlement account or deposit account with the loan bank.
4. Withdraw the loan
After the loan is granted and the relevant formalities are completed, the loan bank will transfer the loan to the deposit account opened by the borrower or to the deposit account opened by the seller at one time or several times according to the loan contract.
Step 5 repay on schedule
The borrower repays the loan according to the contract. There are two repayment methods: entrusted deduction and counter repayment.
6. Loan settlement
Early settlement refers to the settlement of the loan before the loan maturity date or the next installment.
Normal settlement refers to the settlement of loans on the maturity date or later period of loans.
I have a mortgage in ABC. Can I still apply for a loan at ABC?
It doesn't matter if you have a mortgage, you can also apply for a loan as long as you meet the bank regulations; Various loan businesses are stipulated as follows:
1, sanbao loan
The three operating economic entities are linked by their respective industrial and commercial certificates, guarantee each other and lend money to banks;
Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses;
2. Mortgage loan
Taking real estate as a mortgage loan means taking real estate (real estate) as a mortgage and applying for a loan for a lender with a business enterprise (industrial and commercial license).
Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report;
3. Second-hand housing mortgage loan
Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.
4. Primary housing mortgage loan
If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.
The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.
This is the end of the introduction about whether you can get a loan with CCB's mortgage and what kind of loan you can apply for with CCB's mortgage. I wonder if you have found the information you need?