If you have a mortgage, you can also apply for a loan. You can apply to the bank for a second mortgage or a monthly loan, a provident fund loan or a policy loan. As long as the borrower can meet the conditions of other loans, he can apply for a loan from the bank again. However, because the borrower or collateral does not meet the loan requirements, there is also the possibility that the application is not passed or the loan is rejected.

Personal mortgage secondary loan business is mainly aimed at customers who apply for housing provident fund mortgage loans. After re-evaluating the house, the total evaluation price is multiplied by the mortgage rate of 60%, and the amount generated MINUS the balance of the first housing provident fund loan is the amount of commercial loans that citizens can enjoy. This business is simple and easy to use, which makes citizens' real estate become liquid assets, extends the service tentacles of housing reserves, and further solves citizens' financial troubles such as decoration and house purchase.

Precautions:

Affordable housing for less than 5 years.

Resettlement houses are managed by affordable housing, or purely affordable housing. According to the current national policy, listing and trading are not allowed for less than five years, and banks cannot obtain other rights, so they cannot handle mortgage consumption.

Small property right house without real estate license

For the real estate with small property rights, if the residents have not obtained the real estate license, they only have the right to use the real estate, but have no ownership, that is, they can't dispose of the real estate, so this kind of real estate can't be listed and traded, can't be mortgaged to the Construction Committee, and can't handle mortgage consumer loans.