First of all, there are prerequisites:

1. The real estate license has been obtained.

2. The property has residual value after deducting the previous mortgage loan amount. 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.

3. The second mortgage can only take the residual value as the collateral value, and the general bank loan will be discounted, such as 60% off. You can only mortgage 90 times 0.6, which is 540 thousand.

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

Two. Materials required for mortgage loan:

1, loan application (in duplicate);

2. Original and photocopy of ID card (1 copy), original and photocopy of household registration book (1 copy), marriage certificate and photocopy of spouse's ID card provided by the married person (each 1 copy);

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.

Extended data

Mortgage repayment amount

One-time repayment of principal and interest

If the loan term is less than one year (including one year), the repayment method is to repay the principal and interest once due, that is, the initial loan principal plus the interest of the whole loan period.

1, one-time repayment of principal and interest = loan principal ×[ 1+ annual interest rate (%)] (loan term is one year).

2. One-time repayment of principal and interest = loan principal ×[ 1+ monthly interest rate (‰ )× loan term (month)] (loan term is less than one year).

Note: monthly interest rate = annual interest rate12.

Second, the equal principal and interest repayment method

Generally, the term of mortgage loan for individual house purchase is more than one year, so one of the repayment methods is the equal principal and interest repayment method, that is, from the second month of using the loan, the loan principal and interest are repaid in equal amount every month.

Equal repayment of principal and interest every month = loan principal × repayment period = loan life × 12.

Third, the repayment law of average capital.

The basic algorithm principle of the average capital repayment method is to repay the loan principal in equal amount on schedule within the repayment period, and at the same time pay off the interest generated by the unpaid principal in the current period. Repayment methods can be monthly repayment and quarterly repayment. Due to the requirement of bank interest settlement practice, quarterly repayment is generally adopted.

Quarterly repayment amount = loan principal ÷ number of quarters of loan term+(principal-accumulated repaid principal) × quarterly interest rate.

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