1, the interest rate is relatively low: because of the existence of collateral, the interest rate in the secondary mortgage is relatively low. Compared with unsecured loans, this has obvious advantages.

2. The loan amount is relatively high: the loan amount is usually 30%-70% of the appraised value of the house, and the upper limit is130,000 yuan. Specifically, the mortgage rate of residential loan products is high, up to 70%; The mortgage rate of office buildings and shops is high, as high as 60%; The mortgage rate of industrial plants is high, as high as 30%. Basically, it can meet the money needs of the majority of borrowers.

3. The approval rate is relatively high: mortgaging the house to a bank or lending institution will definitely reduce the risk of lending to a bank or lending institution. Because of this, other requirements will be relatively relaxed. As long as the borrower has a stable job and a good reputation, he can get a loan. Under normal circumstances, banks have no higher requirements for the borrower's income level and salary payment form. (Cash distribution form must be self-storage flow within half a year)

4. Other people's houses can be used as collateral: if the borrower has no real estate but the borrower has the repayment ability, it can also use the real estate under the name of relatives or friends as collateral, provided that the mortgagor issues a statement agreeing to mortgage and meets the requirements that the mortgagor is under 63 years old.

5. The repayment method is flexible. Unlike unsecured loans, borrowers have a wider choice of repayment methods. Generally, there are one-time principal and interest repayment methods (especially loans with a term of one year or less), average capital method and equal principal and interest method.