First, eligible mortgage houses can be refinanced. Mortgage refinancing means that after the borrower applied for a personal housing mortgage loan in the bank, he changed his mortgage and got a loan again. You can get more loan balance without selling the mortgaged property, thus realizing the refinancing of the mortgaged property.

Second, mortgage housing mortgage loan application conditions

Mortgage housing mortgage loan application conditions are:

1. The house mortgaged by the borrower has repaid the principal and interest on schedule for more than 2 years;

2. The borrower has a stable income and the ability to repay the loan principal and interest on schedule;

3. The borrower has no record of overdue repayment and has a good credit record;

Third, the mortgage loan amount of the mortgaged house

The mortgage loan amount of the mortgaged house is calculated according to the house value and the original loan principal balance. The specific calculation formula is:

Mortgage loan amount of mortgaged house = house value × mortgage interest rate-principal balance of original mortgage loan.

The value of the house here is calculated according to the lower of the original purchase price and evaluation price of the house.

Four. Term of mortgage loan for mortgaged house

The term of mortgage loan for mortgaged houses is divided according to the purpose of the loan, with the longest consumption purpose not exceeding 5 years and the longest business purpose not exceeding 3 years. At the same time, the mortgage term of the mortgaged house cannot exceed the maturity date of the original mortgage.