yes.

first, there are prerequisites:

first, the real estate license has been handled.

2. There is a residual value of the mortgage loan before the real estate is deducted. If the amount of mortgage loan handled before is much smaller than the value of the property, for example, the value of the property is 1 million, and only 1 thousand is mortgaged, then there is still more than 9 thousand.

3. The secondary mortgage can only take the residual value as the collateral value. Generally, bank loans will be discounted, such as a 6% discount. You can only mortgage 9 times .6, which is 54 thousand.

4. If you make a second mortgage, it is better to make an additional mortgage with the same bank.

2. Materials required for mortgage loan:

1. Application for loan (in duplicate);

2. The original and photocopy of the ID card (one copy) and the original and photocopy of the household registration book (one copy), and the married person shall provide proof of marriage relationship and a photocopy of the spouse's ID card (one copy each);

3. Credit materials that prove the borrower's repayment source and repayment ability, such as salary certificate, tax bill, bank passbook (bill), securities, investment certificate and proof of ownership of other property;

4. Or the original and photocopy of the letter of intent (one for each);

5. Appraisal report of real estate;

6. If other mortgage (pledge) is provided as a phased guarantee, a list of mortgaged or pledged property and proof of ownership shall be submitted, and a written statement that the person who has the right to dispose of it, including the spouse, agrees to mortgage or pledge.

Extended information:

The first and second mortgages are balance mortgages. According to the provisions of the Property Law, as long as there is a balance in the value of the property after the first mortgage, it can be used as a second mortgage or a third mortgage. At present, the common forms of balance mortgage in China are generally five-color soil mortgage, pawn mortgage or professional loan company mortgage.

2. The documents required for handling two mortgage

are mainly based on the specific requirements of the regional construction committees. Usually, only the applicant's real estate license (real estate certificate or house ownership certificate, land use right certificate or purchase contract and invoice) and identity documents (resident ID card, military officer's card, etc.) are needed. According to the time of using money and the time of handling other rights certificates in each district and county, in general, the loan can be released on the day of receiving other rights certificates.

requirements for the third and second mortgage of real estate

banks have different regulations on mortgaged real estate, and there will be corresponding requirements on the year when the real estate was built and the area where it is located. For example, there are more restrictions on the real estate before 1995 or some remote suburban counties, and the loan percentage is less.

However, there are no restrictions on the age and location of the property, and all the properties that can be registered as mortgages can be reasonably evaluated according to the prices of similar properties sold in the market at that time, so that the lender can obtain a higher loan ratio than the bank.

Baidu encyclopedia-two mortgage