In this era of soaring housing prices, loan is a payment method that most owners will choose when buying a house. Because the time limit of the whole loan is relatively long, many owners don't know whether the house that has been loaned can be loaned again. What should I pay attention to when applying for this kind of loan? Let's have a brief look with Bian Xiao.
First, can the mortgage be a second loan?
A house can apply for a second loan in two cases: 1. If the first loan of the house has been paid off and mortgaged, the owner can apply to the bank for a second loan, and the amount and duration of the loan are determined according to the evaluation of the house; 2. If the first loan of the house is not paid off, the success rate of applying for a second loan from the bank is low. Although you can choose a loan company, it is risky. Borrowers are advised to choose carefully.
Second, the second loan matters needing attention
1. Pay attention to choosing reliable institutions.
If the borrower fails to pay off the first loan, it is difficult to apply for a loan in a regular bank, so many owners will choose a professional lending institution when applying for a second loan. It is very important for borrowers to choose a reliable loan company. It is very easy to be deceived, and even some illegal organizations will use the personal information of borrowers to apply for other businesses, which is very dangerous.
2. Pay attention to verify your actual situation.
Although the loan can solve the urgent need, the borrower must pay attention to the amount of the loan when applying, especially when the first loan has not been paid off. When applying for the second loan, the personal economic situation must be fully considered, and the income should be at least twice the repayment amount, so as not to affect the normal life. 、
Editor's summary: Borrowers can apply for a second loan, but they must have sufficient repayment ability, otherwise it will not only affect normal life problems, but also easily affect credit reporting problems. So much for the second mortgage. I hope it helps you. If you want to know more, please follow Qijia. com。
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