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Does ICBC handle the second mortgage?
Yes, but ICBC may not be able to handle these two mortgages. Lenders need to ask ICBC in advance and find other banks or lending institutions to handle these two mortgage loans.

In principle, the ownership of the mortgaged house belongs to the bank, so the owner actually has no right to use it for refinancing. But if you borrow money from the same bank, you can also get a certain loan for the mortgaged house.

Use the mortgaged house to get a loan, provided that the house has increased in value. Otherwise, banks are usually reluctant to take out loans. To apply for a loan with a mortgaged house, the applicant must be 18-65 years old, have a stable job and income, and have good repayment ability. Personal credit record is good. Moreover, the applicant agrees to use the property rights and interests in his own name as collateral for the loan, and the bank for the loan is the same as the bank for the original mortgage loan.

The amount of the loan obtained from the mortgaged house is within the range of the repaid loan value of the house. If the market appraisal value of the house is 500,000 yuan, the lender has repaid the mortgage loan of 200,000 yuan, and the loan amount that the lender can apply for does not exceed 200,000 yuan. Mortgage housing refinancing, the loan time is usually not more than five years, and can not exceed one mortgage loan time.

First, the conditions for the second loan of the mortgaged house

1. The houses under secondary mortgage should be residential and commercial houses with large market development.

2. The house used for personal housing in the second mortgage must be an existing house.

3. The house has a superior location, convenient transportation and complete supporting facilities.

4. The borrower holds the real estate license of the mortgaged house. If the real estate license is mortgaged in the bank, it is not allowed to apply for a loan.

5. The borrower's current income is stable and good, and it is easier to get approval if the total income is twice as high as the total debt.

Second, the required information

1. Property certificate and ownership certificate of other collateral

2. ID card, household registration book and proof of marital status of the applicant and spouse.

3. Proof of income of the applicant and his spouse.

4. Relevant certificates of loan use.

5. Other relevant information required by the bank, bank interest rate and repayment method.

Third, the process of housing secondary mortgage

1. To apply for a loan, you need to provide ID card, household registration book, real estate license, income certificate and marriage certificate.

2. The appraisal company designated by the bank evaluates the loan house.

Step 3 go to the bank for an interview

4. Go through the mortgage registration formalities

5. Bank loans