You can't get a loan by mortgage.

First of all, you can find out whether the local bank has opened revolving credit loans. Personal housing revolving credit refers to the revolving credit issued by the lender within the credit period and available credit line after the house is mortgaged to the bank for loan credit, and it can also be repaid with the loan. Personal mortgage has not been paid off, and there is a certain debt. When you apply for a loan at the bank, the bank will look at the repayment of the applicant's two loans. Generally speaking, an individual's monthly repayment cannot exceed 50% of his monthly income. If it exceeds, it means that the applicant does not have enough repayment ability. Therefore, if the mortgage has not been repaid and you want to apply for a loan again, you can apply for a loan again as long as the applicant has enough repayment ability. In addition, if the applicant applies for a loan again, it can provide multiple guarantees and improve the probability of successful loan.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

Two repayment methods and calculation formulas of housing loans;

I. Equal principal and interest repayment method

At the initial stage of repayment, the interest expense is the largest and the principal is the least. Later, the interest payment gradually decreased and the principal gradually increased, but the amount (principal and interest) paid each month was the same. It is more suitable for young people with low income and little savings, because the pressure of monthly payment will not reduce the quality of life. The formula is: monthly repayment amount = monthly interest rate of loan principal (65438+ 10), total repayment months /((65438+ 10), total repayment months-1).

In the above formula, it is fixed, so the repayment amount is fixed. Let's modify the formula: monthly repayment amount = monthly interest rate of loan principal /(( 1 interest rate) total repayment months-1).

Second, the average capital repayment method.

Refers to the equal repayment of the loan principal every month, and the loan interest decreases month by month with the principal and interest, and the monthly repayment amount (principal and interest) decreases gradually. The total interest paid is less than the equal principal and interest method. Suitable for middle-aged people with high income and certain savings. The formula is:

Monthly repayment amount = loan principal/total repayment months (loan principal-accumulated repaid principal) monthly interest rate. In which: accumulated repayment principal = loan principal/total repayment months.

In the above formula, the number of repayment months is variable, so the monthly repayment amount is variable. We modify the formula to: monthly repayment amount = loan principal/total repayment months (monthly interest rate of loan principal-monthly interest rate of loan principal/total repayment month).

Among them: loan principal/total repayment months, which we call monthly repayable principal, is a fixed value; The monthly interest rate of the loan principal, which we call the interest payable in the first month, is a fixed value; Loan principal/total repayment monthly interest rate = monthly repayment monthly interest rate, which is called spread and is a fixed value; Interest payable in the first month-the number of months in which the interest margin has been repaid is the interest to be repaid in the current month, which is a variable, namely: interest payable in the x month = interest payable in the first month-interest margin (x-1); Total interest payable = the sum of monthly interest payable in all months, which is the total interest you pay.

I have a mortgage on me. Can I still get a loan?

You can still borrow money if the mortgage is not paid off.

When a bank applies for a loan, the bank mainly looks at the applicant's current repayment ability and credit history. If the applicant has a good credit record and sufficient repayment ability, he can apply for a loan in the bank. The mortgage has not been paid off, so you can borrow money. Whether the personal mortgage is paid off has no effect on the individual's application for a loan.

What needs to be understood is that since the personal mortgage has not been paid off, if you apply for a loan in the bank again, the bank will look at your repayment ability according to your current income and monthly payment. So in this way, because there are still mortgages to be repaid, the amount of loans that individuals can apply for will also have a certain impact.

If you want to buy a house through a loan, you must not do these things.

1. The credit card is overdue for three consecutive times (or six times in two years).

2. The monthly payment is overdue for 2 to 3 months or not returned.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate is raised, the monthly payment will still be paid according to the original amount, resulting in overdue interest.

5. Sleep credit card, if it is not used after activation, will also generate an annual fee, and will not generate a negative credit record.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Debt and other economies will also affect credit records.

9. Water, electricity and gas charges are not paid on time.

10. Personal credit card cashing.

1 1. Outstanding student loans.

12. The mobile phone charge is linked to the bank card charge. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.

13. Being fraudulently used by others or a copy of ID card generates a credit card arrears record.

It can be seen that many of these things are easy to ignore in our daily life. Once a bad credit record is accidentally generated, it is a particularly troublesome thing for buying a house with a loan.

Several things you should never do when buying a house with a loan.

Can I still get a loan with a mortgage?

You can still get a loan if you have a mortgage, because the house can be mortgaged twice. The second mortgage is more convenient than the first mortgage, and the loan speed is faster, but the interest rate is higher.

The requirements are as follows:

1. The house used for secondary mortgage must be an existing house; 2. The property has been registered as a mortgage, and the handling bank is from housing mortgages; 3. The real estate license is managed by the customer himself; 4. The loan balance of the second mortgage amount of the property is lower than 70% of the current house price; 5. The borrower has full capacity for civil conduct, stable income and good credit; 6. The property should be high-quality housing and commercial housing with great market development potential. Although two mortgage has effectively increased the amount of loans, it should be noted that there should be some loanable space for housing in two mortgage. In other words, if the first loan amount only reaches 30% of the appraised value of the mortgaged house, choosing the second mortgage will undoubtedly greatly increase the loan amount.

Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing consultation hotline: 0769-33888836