Can a mortgage bank lend money?
1. Banks generally do not make secondary mortgages. According to the regulations, if the borrower's property is in mortgage repayment, it cannot be used for mortgage loan before the loan is paid off. When the borrower handles the loan business in mortgage to buy a house, the house has been mortgaged to the bank, and other rights of the house belong to the loan bank. Once the borrower is unable to repay the mortgage, the bank has the right to execute the house. Therefore, lending banks and other banks usually do not apply for remortgage loans for houses. However, at present, some loan banks will launch special loan business such as "decoration loan" for mortgage customers, which is actually a comprehensive evaluation of the borrower's existing housing assets and repayment ability.
2. Houses that can be used for secondary mortgage should be residential and commercial houses with large market development; The house used for personal housing in the secondary mortgage must be an existing house.
How to calculate the house mortgage
1. Generally, if you don't trust or distrust the website, you can calculate it yourself. This calculation is simple. One of them is the equal principal and interest method. His calculation formula is: monthly repayment amount = principal * monthly interest rate *[( 1+ monthly interest rate) n/[( 1+ month). In the formula, n represents the number of months of loan, and n represents the power of n, such as 240, which represents the power of 240 (loan for 20 years and 240 months).
2. The second category is the average capital method, which is a calculation method of more first and then less. The specific calculation formula is: monthly repayment amount = principal /n+ residual principal * monthly interest rate, and total interest = principal * monthly interest rate * (loan months /2+0.5). This calculation method is very simple, you can calculate it yourself according to the situation.
3. Compared with the above two methods, each has its own advantages. The former needs to repay more loans than the latter, and the average capital method needs less loans than the equal principal and interest method. But you should judge according to your own situation. The borrower can choose which way to repay the loan, and the bank will provide the way according to the customer's opinion.
Summary: That's all the loans from the mortgage bank. This also depends on the actual situation of the house, in order to decide whether your house can get a second loan.