Under normal circumstances, a house can't be mortgaged for three times, but it can be mortgaged for the second time at most. If the user's house has been mortgaged for the second time, the value of the house itself is not much. At this time, the bank will be at a loss if it is mortgaged three times. Therefore, many banks will not agree to the user's loan application for three mortgages.

Even if some banks allow users to apply for three mortgage loans, the loan amount that users can apply for is very low, the mortgage interest to be paid will be high, and there will be requirements for repayment time. If the user needs to apply for three mortgage loans, the loan process is the same as the previous two. As long as users prepare relevant information and apply to local banks, and then prepare themselves psychologically, many banks will refuse.

What are the terms of mortgage loan?

1. The mortgaged house has sufficient value space, complete property right certificate and clear ownership (if it is owned by others, the written consent of the property owner must be obtained).

2. The applicant has reached the age of 18 and has full capacity for civil conduct.

3, a legitimate and stable source of economic income, the ability to repay the loan principal and interest on time.

4. Personal credit is good, and there is no record of bad information in the credit report (the bank mainly inquires about the situation in the past two years when reviewing the credit report).

Housing mortgage loan risk

1, loan purpose

Banks have certain restrictions on the use of housing mortgage loans, which cannot be used for investment, stock trading and other purposes, because once the investment fails, the loan will be overdue and will cause a lot of trouble, so the borrower must use the loan funds correctly in accordance with the contract.

Step 2 repay

If the borrower is unable to repay the loan in the future, the bank will dispose of the collateral in accordance with relevant regulations, and the proceeds will be used to repay the loan principal and interest first. Therefore, when applying for a loan, the borrower must determine the loan amount and term according to his income and work situation.

3. Loan channels

Borrowers should give priority to applying for loans from banks to ensure the safety of loans. If you are looking for a loan from a non-bank financial institution, you must choose a formal institution. The borrower should be careful not to pay any fees before getting the loan to prevent being cheated.