1. Housing two mortgage Because banks or small lending institutions are under great pressure, when handling two mortgage, the loan interest rate is often very high, and the loan interest rate is calculated on a monthly basis. In general, the monthly loan interest rate paid by two mortgage is about 5% of the loan amount.

2. There is no negotiation process in the repayment process. In two mortgage, the bank is particularly strict in the repayment process. In the repayment process, once the repayer is unable to repay, the bank or small loan company will immediately auction the collateral mortgaged for the second time without giving the mortgagor a chance to negotiate. Therefore, applicants must pay attention to the repayment time.

3. The loan amount applied for is not high. Although the secondary mortgage procedure is simple, the loan amount that can be applied for is really not high. According to the existing regulations, the amount of two mortgage can't exceed the original value of the collateral minus the original loan, so the loan that can be applied for will be greatly reduced after deducting the original loan amount.

what should be paid attention to in the second mortgage loan

1. Loan company. This is a clear place, because many loan companies have done other things in the name of your loan. Of course, if they are regular companies, they will not encounter such problems. Therefore, when handling, we must not trust the real estate mortgage company on the side of the road. If you can handle it clearly, I suggest that you apply for other money directly and then get a real estate mortgage. Don't borrow from informal people, or you may lose more.

2. repayment status. Pay attention to two mortgage time. Check the repayment in real time. Once the loan is settled, it is shown on the credit report, and you can apply for the second step of two mortgage. Note. The time difference between before and after, if a regular company, can help you query. Some real estate agents can also help you with this business.

3. the amount of mortgage loan. If you have repaid all the loans, but the money from the second loan is almost the same as the money you have repaid, there is no need to toss about. For example, your house is 1 million yuan, and you still have a loan of 5, yuan. At this time, you find someone to help you repay the loan of 5, yuan, and the house has no debt. At this time, if you apply for two mortgage, the amount you can apply for must be more than 5, yuan. Otherwise, what's the point of lending it? The suggested ratio is 7% commercial loans, even if the interest rate is slightly higher.