Two mortgage is an additional loan service provided by China Bank for borrowers who have obtained housing mortgage loans from China Bank. The borrower must be a primary mortgage loan customer of China Bank, with no interest default, stable income, good credit, and the ability to repay the loan principal and interest on schedule, and the house used for mortgage that has repaid the principal and interest on schedule for more than two years must meet the following conditions: 1. The house used for secondary mortgage should be a high-quality house with great market development potential and a commercial house; 2. The house used for personal housing in the second mortgage must be an existing house; 3. The house is a first-hand house purchased with a mortgage loan from China Bank; 4. The mortgage registration of the house has been completed, and our bank is the mortgagee of the house; 5. The house has been insured, and the original policy is managed by China Bank; 6. The house has excellent location, convenient transportation, complete facilities and great appreciation potential.

How to handle the second mortgage of the house? What's the procedure?

Mortgage loan can be divided into short-term secondary mortgage and bank secondary mortgage. 1. If you only need money urgently for a short period of time and want to use the mortgaged house as a loan, there are two situations: (1) Having a house book, and the procedure: mortgage registration-loan notarization-lending. You can lend money on the same day. This is a loan from a guarantee company, which repays the principal on a monthly basis and is generally suitable for customers who need money urgently in the short term. (2): the house is not under: the house is not under, but the bank has a loan and wants a short-term turnover. This kind of house without room can only go to a guarantee company, and the short-term loan is up to one year. The procedures are incomplete, and the bank can't get a second loan. 2. If you have a house, you want a long-term loan: you can mortgage the house of a bank twice, find a new bank to apply for a loan, and then help you and the original bank to lift the mortgage after the loan is approved, so as to ensure the issuance of the second loan. We only charge loan service fees for bank loans. For normal commercial housing, we charge 1% of the loan amount as a service fee, which will be charged after the bank approves the loan. 3. If you have a house and want a long-term loan, but you need it urgently: we can pledge the loan from the company on the same day and then help you with the bank loan immediately. A normal bank loan takes about a month to lend money, and after the bank loan, you pay back the monthly payment of the bank, which not only solves the difficulty of your urgent need for money, but also solves the problem of high pressure on monthly payment of long-term loans. Arel (Beijing-I82-Loan -i6o- Huadian -4757)

Can the first house be mortgaged twice?

Yes! The loan is determined according to the actual use of your loan. You can submit a loan application online and make a second loan within 2 to 3 working days (the first house is not a weekend mortgage loan)! If your first house is a mortgage loan, and your loan has not been paid off yet, then the house in the mortgage loan cannot be used as a mortgage loan!

Remember to adopt

What is the maximum loan for two mortgages?

Two mortgage conditions of Xiamen house: the main lender 18-60 years old, complete property right certificate, normal repayment ability, interest of 6-8%, and the longest loan for 5 years. The loan amount is 60-80% of the current appraised house price, minus the unpaid mortgage loan. If the amount needed is relatively large or the loan period is relatively long, you can pay back the remaining money first and mortgage the loan in full with interest of 3-. The bank will pay within 7- 15 working days.

How to handle the second mortgage of the house, what materials need to be prepared?

Housing two mortgage is a loan based on housing. After repaying a certain loan principal and interest, if a sum of money is urgently needed for personal consumption or business, you can apply for a loan again with the difference between the mortgage value of the house and the original loan balance as collateral. This is called real estate, secondary mortgage.

The following are the conditions and procedures for handling the second mortgage of the house compiled by Bank of China.

I. Loan conditions

1. The borrower has no interest default, stable income and good credit;

2. The borrower has the ability to repay the principal and interest of the loan on schedule, and has repaid the principal and interest on schedule for more than two years.

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

4. Housing mortgage registration has been handled, and the handling bank is from housing mortgages;

5. The house has been insured, and the original policy is managed by the bank;

6. The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential;

7. The house has excellent location, convenient transportation, complete facilities and great appreciation potential;

Second, the loan amount

The calculation method of loan amount is loan amount = house value * mortgage rate-original loan principal balance. Among them, the value of the house is the lower of the original purchase price and the second mortgage evaluation. The mortgage rate of secondary mortgage for self-occupied real estate shall not exceed 70%, and the mortgage rate of secondary loan for commercial housing shall not exceed 50%.

Third, the loan interest rate.

The interest rate in two mortgage fluctuates on the basis of the commercial loan interest rate of the same grade stipulated by the People's Bank of China. In addition, if the loan term is less than one year, if the legal interest rate is adjusted, the interest will be calculated according to 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.

Fourth, the loan process.

1. The borrower submits the relevant information of two mortgages to the bank and applies for a loan.

2. The bank accepts the borrower's application and designates a professional appraisal institution to appraise the collateral.

3. The bank shall review the secondary mortgage information submitted by the borrower and handle relevant formalities.

4. If the bank is approved, the borrower can entrust the guarantee company to handle the prepayment and mortgage cancellation procedures of the original loan.

5. After the original loan issuance procedures are completed, the borrower needs to go through the new mortgage registration procedures again.

6. After the formalities are completed, the bank issues the loan and the borrower repays it again.

What is "second mortgage of real estate"

That is, the house has been mortgaged once and is still being returned. Re-mortgage is called secondary mortgage.

Have preconditions

1 Property ownership certificate has been obtained.

2 Mortgage loan has residual value before real estate deduction. If the previous mortgage loan amount is far less than the property value, for example, the property value is 6.5438+0 million, only 6.5438+0 million is mortgaged, and there are more than 900,000.

Secondary mortgage can only use the residual value as collateral value, and general bank loans will be discounted, such as 60% off. You can only mortgage 90 times 0.6, which is 540 thousand.

In case of two mortgage, it is best to make additional mortgage loans in the same bank.

What are the procedures for handling the second mortgage of the house?

The house used for mortgage must meet the following conditions:

1. The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential;

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

3. The house is a first-hand house purchased with a mortgage loan from China Bank;

4. The mortgage registration of the house has been completed, and our bank is the mortgagee of the house;

5. The house has been insured, and the original policy is managed by China Bank;

6. The house has excellent location, convenient transportation, complete facilities and great appreciation potential.

2. What information does the mortgage house need?

Materials required for secondary mortgage of mortgaged house:

1, loan application (in duplicate);

2. Original and photocopy of ID card (one copy) and original and photocopy of household registration book (one copy). The married person shall provide proof of marriage relationship and a copy of spouse's ID card (one for each);

3. Credit materials that prove the borrower's repayment source and repayment ability, such as salary certificate, tax bill, bank passbook (bill), securities, investment certificate and other property ownership certificates;

4. Original and photocopy of the letter of intent (one for each);

5. Real estate appraisal report;

6. Where other mortgages (pledges) are provided as phased guarantees, a list of mortgaged or pledged properties and ownership certificates, as well as a written statement of the person who has the right to dispose of them, including the spouse's consent to mortgage or pledge, shall be submitted.

What is "second mortgage of real estate"?

If you don't understand, may I ask you? Obviously you don't understand either.

In China, there is no "secondary mortgage" in the strict sense. Legally speaking, mortgage involves the order of overdue property disposal, and there is no so-called "secondary mortgage"; The so-called "secondary mortgage" in bank loan products is a credit loan, not a mortgage loan. The numerical calculation you quoted is incorrect. This is not how banks calculate the "residual value" of real estate (also called real estate space).

What is the process of mortgage housing in secondary mortgage?

Steps for changing a mortgage house into a mortgage:

1. Provide information

Evaluate real estate

3. The bank shall review the information and handle relevant formalities.

4. Redeem the building and release it.

5. Mortgage registration

6. Restart repayment