Nowadays, many people buy houses with loans. Can a mortgaged house be mortgaged? PChouse, let's take a look.

A mortgaged house can be mortgaged. At present, many banks have this kind of business and can refinance loans, but not all banks accept housing in two mortgage. Therefore, when applying for a second mortgage, you should first look for the original loan bank. If not, you should find another bank.

At the same time, different lending institutions have different requirements for applying for housing mortgage loans. For example, the Agricultural Bank of China requires houses to be local and ordinary houses, villas, shops or office buildings, and the mortgage ratio of real estate is 50%. The Industrial Bank stipulates that the house must be located in the local urban area. In addition to ordinary houses, villas, shops or office buildings, factories can also apply, but the age of the house cannot exceed 15 years.

It is no problem to apply for a loan for a mortgaged house. The general loan depends on the individual's repayment ability and economic income, so there is no accurate answer. You can go to the local bank for consultation.

Can a mortgaged house be mortgaged?

During the mortgage period, loans can be made in two mortgage. The applicant must first determine the mortgage service company and loan scheme, sign the loan agreement after the loan qualification examination, go through the mortgage formalities, and wait for the loan with the mortgage certificate.

The foundation of law

Article 25 of the general principles of loans

If the borrower needs a loan, he should apply directly to the lead bank or the agent bank of other banks.

Article 29

All loans shall be signed by the lender and the borrower. The loan contract shall specify the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of the borrower and the borrower, and liability for breach of contract. Contract and other matters agreed by both parties. To guarantee a loan, the guarantor shall sign a guarantee contract with the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor and sign it by the legal representative of the lender. Guarantor or its authorized agent. In case of mortgage loan, the mortgagor, pledger and lender shall sign a mortgage contract or pledge contract. Where registration is required, it shall be registered according to law.

Article 30

The lender shall issue the loan on time in accordance with the loan contract. If the Lender fails to issue the loan on time as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.

Can the house being mortgaged be mortgaged?

I believe everyone knows that when applying for a housing loan, the bank will have certain requirements for the housing you provide, and the requirements of each lending institution are different. So, can the house being mortgaged be mortgaged? Which houses can't be mortgaged? Don't worry, I'll answer them one by one.

Can the house being mortgaged be mortgaged?

The house being mortgaged can be mortgaged. Generally speaking, this kind of behavior is called "real estate mortgage". But the second mortgage is risky. I believe no bank is willing to give you such a high-risk loan. Judging from the current regulations of various banks, most banks do not handle the second mortgage business for individuals. Therefore, only after the mortgage loan is fully settled can the borrower apply for a mortgage loan again.

Which houses can't be used as mortgage?

1. Public housing: According to the current laws, public welfare facilities such as kindergartens and hospitals do not support mortgage.

2. Small property houses: Small property houses are only the right to use, not as collateral. Therefore, banks will not accept mortgage loans for small property houses.

3. The house with outstanding loan: When the loan is mortgaged for the first time, the bank has obtained other rights of the house. Legally speaking, it is not allowed to mortgage to other banks.

4. Second-hand houses with long age and small area: As we all know, banks have high requirements for mortgaged houses, especially the age and usable area. Under normal circumstances, banks will not accept second-hand houses with an age of more than 20 years and an area of less than 50 square meters.

Affordable housing for less than 5.5 years: the laws of affordable housing for less than 5 years prohibit transactions, and banks cannot obtain other rights certificates, so they cannot apply for mortgage loans.

6. Some public houses. If you can't provide the purchase contract, agreement or listing certificate, you can't mortgage the loan.

7. Illegal building. Speaking of illegal buildings, I believe everyone is very clear, so we can't mortgage them.

8. Houses within the scope: Houses that have been included in the scope according to law, and banks do not accept mortgage loans.

Editor's summary: after reading the above introduction, I believe everyone has a further understanding of whether the house being mortgaged can be mortgaged. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

Can the house being mortgaged be mortgaged?

In principle, it is possible.

1. In order to apply for the second mortgage, the borrower has obtained the house property certificate;

2. Usually, two mortgage loans can only be handled as mortgage loans in the same bank;

3. The year and area of building construction are within the regional service life meeting the requirements of the second mortgage of the bank;

Usually, the loan interest rate of two mortgages is the same as that of the first mortgage.

Loan limit:

Loan amount = mortgage rate of house value-balance of original loan principal. The value of the house is compared with the original purchase price of the house and the evaluation price at the time of secondary mortgage, and the lower one is taken. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%.

Loan term:

The term of the second mortgage is determined according to the specific use of the loan. The longest loan for personal consumption is not more than 5 years, the longest loan for personal business is not more than 3 years, and the maturity date of the loan is not more than the maturity date of the first mortgage.

Loan interest rate:

The interest rate of commercial loans of the same grade stipulated by the People's Bank of China shall be implemented. Foreign currency loans are subject to the same level foreign exchange loan interest rate stipulated by China Bank. If the loan term is less than one year, in case of legal interest rate adjustment, interest will be calculated at the original contract interest rate; If the loan term is more than one year, if the legal interest rate is adjusted, the new interest rate will be implemented on June 65438+ 10/the following year.