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How to handle the second mortgage of the house and what procedures are needed?
First, the conditions required for the second mortgage of the house

1. The houses used by two mortgages are residential and commercial houses with large market development.

2. For individual housing, the house under two mortgages 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 insurance policy is managed by China Bank.

6. The house has a superior location, complete facilities and great appreciation potential.

Second, the necessity of procedure.

First, about 70% of the general loan evaluation price is evaluated, and then ID card, household registration book, household registration book, income certificate and marriage certificate are provided.

Go to the bank for face-to-face signing, approve the loan letter, pay off the loan of the last bank in advance, and cancel the mortgage registration.

Go to the construction Committee to register the second mortgage, and you can lend money within 3 days.

Extended data:

What should I pay attention to in the second mortgage?

1, loan amount

The loan amount of the second mortgage of the house is agreed as follows: the value of the house is lower than the original purchase price and the evaluation price at the time of the second mortgage. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%.

2. The loan procedures are basically the same.

The procedures and documents required for secondary mortgage and primary mortgage are basically the same. The legal effect after registration is different in the order of realizing mortgage.

3. The second mortgagee shall fulfill the obligation of informing.

Although the Measures for the Administration of Urban Real Estate Low Pressure stipulates that the second mortgage does not require the consent of the first mortgagee, it should be informed to the second mortgagee. However, in the actual mortgage process, if the first mortgage contract requires the consent of the first mortgagee, it must be observed in accordance with the contract.

Baidu encyclopedia-second mortgage of house