You can make a second loan, but you need to meet the requirements of the second loan.
To apply for a personal loan, you need to meet the following conditions:
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Other conditions stipulated by the bank.
Two, the first loan has not been paid off, can I make a second loan?
You can make a second loan, but you need to meet the requirements of the second loan.
To apply for a personal loan, you need to meet the following conditions:
1. China citizens with permanent residence, permanent residence or full capacity for civil conduct under the age of (inclusive) in the place where the loan bank is located;
2. Have the ability to prove the principal and interest of the post;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Other conditions stipulated by the bank.
Third, the first loan for buying a house has not been paid off. Can I still get a loan for the second purchase?
The first loan has little to do with the second loan.
Although the first loan has not been paid off, as long as you have the repayment ability, you can also make other home purchase loans.
As long as the bank examines your income, you will be able to repay the monthly payment.
I haven't paid off the mortgage. I want to buy a second house. Can I still get a loan?
If the first home loan has not been paid off, you can borrow to buy a second home, but the down payment ratio and loan interest rate will rise. If the mortgage loan is not settled in April, 20 10, according to the "National Ten Articles" of the State Council, the down payment ratio of the loan for families who buy a second home shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate. The cost of the second home loan is 1. Down payment According to the regulations of the bank, borrowers who apply for a second home loan must pay a down payment of not less than 60% of the purchased house price, and some areas require that the down payment ratio of the second home loan be not less than 70%. 2. Interest The interest on the second home loan is calculated according to the borrower's loan amount, loan term, loan interest rate and repayment method. Among them, the loan interest rate directly affects the amount of mortgage interest expenditure. 3. Mortgage registration fee Customers who apply for a second home loan must agree to mortgage the houses purchased under their names. When going through the mortgage registration formalities, the borrower needs to pay a certain mortgage registration fee. 4. Notary fee When handling the second home loan, you still need to pay the notary fee. When applying for a bank housing loan, the bank will entrust a notary department to certify the borrower's qualifications, and the borrower needs to pay a notary fee. Extended Information 2065438+ Notice on Standardizing the Second Set of Housing Accreditation Standards in Commercial Personal Housing Loans issued by the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission on June 4, 2000. The second set of housing accreditation standards determines the second set of housing accreditation standards: 1 The number of family housing units for commercial personal housing loans shall be determined according to the number of complete housing units actually owned by family members (including borrowers, spouses and minor children, the same below). Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results. If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record. 3. In any of the following circumstances, the lender will implement the second set of differentiated housing credit policies for the borrower: (1) The borrower applies for using the loan to purchase a house for the first time, and his family has registered more than one complete house in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the house is to be purchased; (two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing; (3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).