1. The house used for secondary mortgage must be an existing house.

2. The registration of real estate mortgage has been completed, and the handling bank is a housing mortgage loan.

The house has been insured, and the original policy is managed by the bank.

4. The loan balance of the second mortgage amount of the property is lower than 70% of the current house price.

5. The borrower has full capacity for civil conduct, stable income and good credit.

6. The property should be a commercial and residential building with large market development space.

Treatment method:

First, directly in the original loan bank, but must repay the loan principal and interest in full and on time within a certain period of time, and have a good credit record;

Second, the formal guarantee company advances funds to settle the loan, then goes through the mortgage cancellation procedures, and then uses the house as the mortgage to handle the loan; The advance payment of the guarantee company is not taken for nothing. How long will it take? Will pay a certain fee to the guarantee company according to the monthly interest of the guarantee company.

Normal secondary mortgage is basically these two ways, and some financial institutions also have related businesses. In the final analysis, it is also these two ways.

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