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Second, the mortgage has not been paid off. Can I apply for a mortgage with this house? I have a real estate license.

As long as the bank accepts it, it can refinance. But usually you pay off the previous loan first, not the mortgage, but the loan secured by the house. If it is not a mortgage, you can only borrow 50%. That is, 400,000-450,000.

3. Is Shanghai Bank's mortgage approval fast?

See if you have a bad record. If many of them are overdue, they will generally not be approved.

Four, how to carry out Shanghai housing mortgage loan (Shanghai real estate mortgage loan)

First, how to carry out housing mortgage loans in Shanghai

(1) The borrower shall provide the following information:

1, borrower's ID card, household registration book, marriage certificate and borrower's spouse's ID card and household registration book;

2. Personal income certificate of the borrower (official seal);

3. The original and photocopy of the house ownership certificate and the original purchase agreement;

4. The notarial certificate of the house owner and the * * * owner agreeing to mortgage and the certificate of loan use.

(2) Loan financing, term and interest rate:

The starting point of real estate mortgage consumer loan is 5,000 yuan, and the maximum value does not exceed 70% of the mortgage real estate assessment value. Generally, the loan term does not exceed 5 years, and the longest loan term can reach 10 year. The loan interest rate shall be implemented according to the commercial loan interest rate stipulated by the People's Bank of China for the same period, which is conducive to repaying the principal and interest on a monthly basis.

(three) the process of handling loans:

1. Handling existing home mortgage loan: First, the borrower needs to find an appraisal agency to evaluate the value of the property and obtain the real estate appraisal report issued by the appraisal agency. Secondly, both husband and wife were present to submit the above information and sign a real estate mortgage contract. Third, the borrower signs a loan contract with the bank. Fourth, the bank issues loans after approval. Finally, the borrower repays in installments or in one lump sum, cancels the mortgage of the house property and gets back the real estate license.

2. Mortgage for faster housing: The borrower signs a house purchase loan contract in the bank with the pre-sale contract, the original and photocopy of the house advance payment receipt, and the original and photocopy of the husband and wife marriage certificate. After the bank approves the loan, the real estate license is handed over to the bank. After the repayment, the borrower went to the bank to cancel the loan and get back the real estate license.

Second, what is the real estate license mortgage loan?

Mortgage loan of real estate license refers to a kind of credit method that buyers apply for loans from banks with real estate as collateral to obtain funds, and then repay the principal and interest to the banks in stages or at one time. Mortgage loan of real estate license is a way for house owners to borrow money from banks as consumption mortgage or to solve the problem of funds. Owners can get a certain amount of money to solve their urgent needs without selling their houses.

3. What conditions should the lender meet?

(a) a natural person with full capacity for civil conduct, the actual age of the loan due date is generally not more than 65 years old;

(2) Having a fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

(3) Willing and able to provide real estate mortgage recognized by the lender;

(4) Real estate * * * has been recognized by some people for its loan and guarantee behavior, and is willing to bear relevant legal responsibilities.

4. What conditions do you need to meet for a mortgage house?

(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

What needs to be reminded here is that the owner of the mortgaged property can be the borrower himself or someone else. Where other people's property is used as collateral, the mortgagor must issue a written commitment to allow the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.

V. Instructions for handling real estate mortgage loan

(1) Housing requirements

1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;

2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;

3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

(2) Lender's requirements

China citizens who have a fixed residence in China and a fixed residence (or valid certificate) in a local town, have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. There are no illegal acts and bad credit records.

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account; 5. Other conditions stipulated by the bank.

Therefore, if you need money badly, you can use the property to get a loan to solve your own difficulties. However, although applying for a loan can solve the short-term problem, you should fully consider your future income and debt repayment ability to avoid the problem that the mortgaged house cannot be recovered or goes bankrupt. There are countless ways to mortgage real estate. You can consult our lawyer if necessary.