Compare the value of the house with the original purchase price of the house and the evaluation price at the time of secondary mortgage, and take the lower of the two. A second loan secured by a house? The mortgage rate is higher than 70%; The secondary loan mortgage rate of commercial housing mortgage is higher than 50%.

Two mortgage housing loan amount = housing value * mortgage rate-original loan principal balance. Property value is how much your house is worth. There is little money, but it is worth noting that the value of the property is lower than the original purchase price of the house and the evaluation price at the time of secondary mortgage? Who? To make you understand, let me give you an example. When you bought the property, it was 1.5 million. Now it's valued at 3 million, but in? When you apply for a loan, the value of your property is calculated as 6.5438+0.5 million. The mortgage interest rate is determined by the lending institution according to the actual situation, but individuals? If the property is mortgaged twice, the mortgage rate shall not exceed 70%.

Two mortgage lines of real estate = real estate value * mortgage rate-original loan principal balance.

Property value is the low value of the purchase price and evaluation value of the property. For example, the price of the property purchased by the borrower is 600,000 yuan, and now the house price has fallen, and the assessed value is 500,000 yuan, so 500,000 yuan is used as the property value for calculation.

Let's talk about the mortgage interest rate. The mortgage rate of ordinary housing with secondary mortgage is higher than 70% of the property value; The mortgage rate of commercial housing with secondary mortgage is higher than 50% of the property value. The bank will determine the mortgage rate of the second mortgaged real estate according to the actual situation.

The principal balance of the original loan. For example, when the borrower bought a house, the mortgage loan amount was 350,000 yuan, and now it has been paid back to 200,000 yuan, so the remaining 6.5438+0.5 million yuan is the principal balance of the original loan.

What is the higher amount of housing in the second mortgage?

It is reported that the twice mortgage limit of the house is calculated according to the formula of "loan amount = house value * mortgage rate-original loan principal balance". Among them, the value of the house is to compare the original purchase price of the house with the evaluation price of the secondary mortgage, and then take the minimum value of the two; The mortgage rate generally does not exceed 70%.

Generally speaking, the amount of 1 mortgage is 70% of the valuation. Then the question is, can the property be mortgaged twice? Under normal circumstances, banks will not accept secondary mortgage of real estate, but some small loan companies specialize in secondary mortgage. So, what is the housing two mortgage quota? How to calculate the loan amount?

Two mortgage housing loan amount = housing value * mortgage rate-original loan principal balance.

The real estate value is how much your house is worth, but it is worth noting that the real estate value is compared with the original purchase price of the house and the evaluated price at that time in the second yard, and the lower one is taken. To make us understand, let me give you an example. For example, the purchase time of your property is 6.5438+0.5 million, and the current appraisal price is 3 million, but the value of your property is calculated at 6.5438+0.5 million when you ask for a loan. The pawn rate is determined by the borrowing institution according to the actual situation, but if the property is pawned twice, the pawn rate shall not exceed 70%.

Housing secondary mortgage interest rate:

The interest rate of commercial loans of the same grade stipulated by the People's Bank of China shall be implemented. Foreign currency loans are subject to the same level foreign exchange loan interest rate stipulated by China Bank. If the loan term is less than one year, in case of legal interest rate adjustment, interest will be calculated at the original contract interest rate; If the loan term is more than one year, if the legal interest rate is adjusted, the new interest rate will be implemented on June 65438+ 10/the following year.