The house can be mortgaged twice. But the conditions of the second loan are very harsh. The requirements are as follows: 1. The house used for secondary mortgage must be an existing house; 2. The property has been registered as a mortgage, and the handling bank is from housing mortgages; 3. 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 high-quality housing and commercial housing with great market development potential. Although two mortgage has effectively increased the amount of loans, it should be noted that there should be some loanable space for housing in two mortgage. In other words, if the first loan is close to 70% of the appraised value of the house, you may wish to consider applying for a credit loan. If the first loan amount only reaches 30% of the appraised value of the mortgaged house, choosing the second mortgage will undoubtedly greatly increase the loan amount.

2. Who has done Wuxi real estate mortgage loan?

I haven't done this before, but I can provide you with the materials and procedures needed for the loan. I hope it helps you.

I. Materials required for housing mortgage loan in Wuxi:

1, valid identity documents, household registration book and marriage certificate of the borrower and its spouse;

2. Certificate or statement of loan use;

3. Proof of ownership of mortgaged property;

4. Other documents or materials required by the bank. ?

Second, how to handle the mortgage loan of Wuxi house:

1. loan application: the borrower proposes the purpose, amount and term of the loan;

2. Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including my spouse's ID card, household registration book, corresponding personal consumption contract and proof of marital status; Property ownership certificate, owner's and spouse's ID card, and household registration certificate of marital status;

3. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses;

4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the bank for approval;

5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary;

6. Mortgage registration procedures: the bank shall go through the mortgage registration procedures at the property right office with the house ownership certificate and notarized loan contract;

7. Lending: The borrower opens a repayment account and the bank lends money to this account.

3. What is the real experience of Wuxi Fapai house transfer?

The following is my real experience of shooting a house in Wuxi:

1. After the auction is successful, the auction house shall pay the house price within the specified time. The auction house does not need online signing, so the documents that need to be held for the transfer of the auction house, that is, the auction confirmation, the execution ruling, and the assistance in execution;

The house was unsealed according to law. After the bidder pays the money, it is necessary to file a case again and then execute the judge to unseal the house;

3. Pay taxes, handle the transfer, and pay taxes after the house is unsealed. Generally speaking, you pay taxes according to law, but there are exceptions. You need to look carefully. Especially those public houses, affordable houses, relocated houses, self-occupied commercial houses and price-limited commercial houses. If additional diplomatic land transfer fees or comprehensive land prices are needed, it is necessary to find out whether they are borne by themselves or need to be paid in advance before they can be returned from the house payment;

2 auction house transfer costs include:

65,438+0. Deed tax: 65,438+0.5% for residence, 3% for unit and 3% for non-residence;

2. Contract stamp duty: 0.03%. Stamp Duty on Warrants: 5 yuan/Ben. Registration fee: 80 yuan for each house, not 300 yuan for the house, to be borne by the buyer;

3. Notarization fee: 0.3% of the house price for the part below 500,000 yuan, and 200 yuan for the part below 200 yuan; 0.25% for 500,000-5 million;

4. Transaction costs: 3 yuan per square meter, which shall be borne by the developer;

5. Mortgage registration fee: pure provident fund loan 100 yuan, combined loan and commercial loan 200 yuan;

6. Loan insurance premium: The buyer shall bear 0.05% of the loan amount during the loan period. Advance notice registration fee per 50 yuan;

4. Is Wuxi's mortgage loan reliable?

Wuxi pays for a house and then mortgages it.

If you buy a house in advance, you will pay as much as possible, so you will choose to take some money from other places to increase your down payment ratio or make up the minimum down payment. Under such circumstances, I think it is still feasible, and the money in hand is not enough. But he will also investigate the source of money and transaction records.