You can also apply for a loan after the mortgage is paid off at one time.
Generally, the approval time will be a little longer than the first time.
The second mortgage refers to the second loan to buy a house. According to the difference of the second mortgage, the interest rate of the second mortgage is about 10%-20%.
For buyers who have settled bank loans, if they refinance, they can still enjoy the first set of self-occupied housing treatment, and the interest rate can be lowered as appropriate.
This means that if the property buyer has purchased the property before and has paid off all the loans, he can still be regarded as the first suite when buying a house again, and the down payment ratio and loan interest rate can get certain concessions.
Secondly, the provident fund loan is not included in the reference project to determine whether it is a "second suite".
That is to say, if the purchaser has used provident fund loans in other houses, and has not applied for commercial housing loans or the loans have been settled, when purchasing new houses with loans, it can still be implemented according to the relevant policies of the first suite.
Extended data:
Mortgage, also known as house mortgage.
Mortgage means that the buyer fills in the application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter.
After passing the examination, the bank promises to issue loans to the buyers, and handle the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers.
The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.
2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate.
The staff of a branch in Chaoyang District of Industrial Bank said that the current branch notice is that the interest rate of the first home loan will rise 10% on the basis of the benchmark probability. "The interest rates of other outlets are not clear."