Can a house that has been mortgaged once be mortgaged? Banks can mortgage if they agree, but considering the realization of creditor's rights, ordinary banks will not agree. Mortgage loan conditions: 1. Age 18-65 years old, with full capacity for civil conduct; 2. Pay the down payment; 3. Have a stable legal income and the ability to repay interest; 4. The borrower agrees to use the purchased house and its rights and interests as collateral; 5. The purchased second-hand house has clear property rights and meets the requirements for entering the real estate market stipulated by the Beijing Municipal Government; 6. The purchased house is not within the scope of the announcement; 7. Other conditions required by the lending bank.

Second, can the mortgage project house be mortgaged?

If the residual value of the house with project funds can be agreed by the bank, the house can be mortgaged as collateral; If the loan is guaranteed, or the bank does not agree, it cannot be used as collateral for the mortgage.

legal ground

Article 5 of the Measures of China Industrial and Commercial Bank for the Administration of Individual Housing Loans.

The borrower shall be a natural person with full capacity for civil conduct.

Article 6

To apply for a loan from a bank, a borrower shall meet the following conditions:

(1) Having permanent residence in cities and towns or valid residence status;

(2) Having a stable occupation and income;

(three) good credit, the ability to repay the loan principal and interest on schedule;

(4) There are assets recognized by the lender as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the principal and interest of the loan and bear joint and several liabilities;

(5)

(6) The price of the purchased house basically conforms to the appraisal value of the lender or the real estate appraisal agency entrusted by it;

(seven) do not enjoy 30% of the housing subsidy as the down payment; Enjoy the purchase subsidy, and the individual will bear 30% as the down payment;

(8) Other conditions stipulated by the lender.

3. Can workers get loans normally when they arrive at the house?

When you get to the house, you can't get a normal loan. 1, it is impossible for workers to make loans normally. There are many forms of loans, including mortgage loans and credit loans, and there are also many requirements for lenders. Whether to apply for mortgage loans or not, banks need to meet the real estate license before lending. However, due to the particularity of the arrival of workers, there is no real estate license and it is impossible to handle the loan procedures. 2. The so-called "work-to-home" means that in the case of developers, in order to make the whole project work normally, some properties will be mortgaged, which can be mortgaged to banks or suppliers. Buyers can't mortgage this house until the mortgage is lifted. For buyers, choosing this kind of house will be very risky, so you must consider it clearly before buying it, because its property rights are incomplete and there is probably a mortgage problem. : Can workers buy 1 at home? Because housing prices in many big cities are rising, many people want to choose some cheap houses, such as workers to households. Compared with commercial housing, the price may be much lower, and some people choose this house and pay the down payment. Some people will borrow money everywhere, but later they can't go through the formalities of buying a house, and the money is not paid back. Later, I learned that the house I bought was a non-existent working house. 2. The arrival of workers is very different from that of commercial housing, which is risky. So when buying, you need to know its right to use and whether there is a mortgage problem. In addition, check whether the developer has legal procedures and relevant documents. To sum up: it is not that workers can't buy a house when they arrive, but that they should know its documents when they buy it, including whether the property rights are complete and whether they can apply for a real estate license later. Only when you get the real estate license can you go through the loan formalities through the bank.

4. What should I do if I buy an auction house but the house is rotten? Can I stop the mortgage?

Let me answer this question.

The house you bought is rotten to the core, but you must never stop the mortgage. Why? There are two main reasons.

First, our contractual relationship is that we established a contractual relationship with the developer when we bought a house, so we have a contractual relationship with the bank when we mortgaged. Therefore, there are two kinds of contractual relationships consisting of two-part contracts. So we bought an unfinished house, and according to our contract with the developer, the developer breached the contract. The lending relationship between us and the bank is that between ourselves and the bank. The developer only takes the product as a guarantee, and we can't stop lending. But once we stop lending, banks will come to us, not developers.

The second point is based on the first point. We say that all bank lending relationships are corporate lending contracts between us and the trigger bank, so if we stop lending, it will have many adverse effects on our credit information.

Once this problem arises, what should be done? My personal suggestion is:

The first point: take good care of your own commercial housing sales contract and read the relevant breach clauses carefully. If the developer runs away, then we should follow the arbitration institution agreed in the contract.

Second, you can discuss with the relevant personnel of the bank and make an agreement.

The third point is to find the news media, which is also our most common and effective way.

Generally speaking, it is our personal bad luck to encounter a bad property, so after this happens, we must not cut off the supply.