If the mortgage is not paid off, you can mortgage the loan, but you need to meet the following conditions:
1. The borrower has gone through the house transfer formalities and obtained the property ownership certificate. At this time, the owner of the house can mortgage the real estate license in the bank to ensure his repayment ability.
2. Both the first home loan and the second home loan need to be handled in the same bank, which can facilitate the bank to check the repayment ability of the lender and help to handle the mortgage procedures.
3. Houses used for mortgage loans need commercial houses with development potential, and lots and lots are convenient and superior, with large appreciation space. 4. It cannot be an old house built for many years within the time limit required by the two mortgage banks.
5. Repayment ability and salary should also be considered. If a middle-aged and elderly person in his fifties who is nearing retirement applies for a second mortgage, there is a greater risk that he will not be able to pay off the loan.
legal ground
Article 394 of the Civil Code of People's Republic of China (PRC) defines mortgage as the performance of secured debt. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The original mortgagor and creditor were mortgagees, and the property was recovered.
2. Can I mortgage a loan without a real estate license?
Personal mortgage loans generally require a property that meets the requirements of our bank to apply for mortgage;
At present, our mortgage loan only accepts real estate as collateral; If you need to apply for a personal automobile mortgage, you can use the purchased car as a mortgage application; If you have unexpired time deposits, certificates of deposit, etc. , you can also try to apply.
3. Can I get a loan without mortgage?
Go to the post office or credit union and ask if there is a mortgage. If you want to borrow it, you must hurry.
Fourth, can't a registered cardholder apply for a loan?
Of course. Anyone can apply for a loan from a bank as long as they meet the conditions for bank loans. There are many kinds of bank loans now. In different types of loans, the requirements are different and the loan time limit is different. For example, some rural credit cooperatives can borrow 50-65.438 million yuan without mortgage, but their credit is good. Couples who have a house and a car can borrow 300,000 yuan.
Other banks also have various types of loans, as well as corporate loans, loans benefiting farmers, and various types. What kind of loan is suitable for you to consult a specific bank. The loan must go to a regular bank loan, not online loan. The online loan is very deep, and you accidentally carried it.