2. If you spend personal credit information, you can apply for a second mortgage, but the second mortgage is more difficult and you can only go to offline lending institutions. Strictly speaking, if your credit information is not good, it is not recommended that you do the second mortgage of the house. Because of your poor financial situation and personal credit problems, it is very dangerous to apply for loans frequently, which is likely to make you insolvent and even plunge you into the abyss of debt.
1) Generally, banks will not approve two mortgage. Because your personal credit situation is not good, it means that there is something wrong with your personal credit. When banks evaluate loans, the most important thing is personal credit, that is, your repayment ability. Based on your situation, the bank will generally not approve your application for a second mortgage, or even fail the preliminary examination of the loan. The reason why banks do this is not only for the bank's risk control, but also to protect the user's financial situation.
2) Offline lending institutions can apply for a second mortgage. There are many lending institutions offline, and the qualifications of such lending institutions are generally not perfect, not so formal, and the interest is very high. If you really want to apply for a second mortgage, you can try to find these door-to-door agents. Personally, it is not recommended that you find an offline institution to handle the secondary mortgage of housing. In fact, the reason is very simple. You can't even maintain the normal cash flow of bank loans, not to mention the very high interest rate of offline mortgages.
1. Personal credit information has been spent. The only solution is not to apply for any credit business in the near future. This situation needs to be maintained for at least 3 months. Because users handle credit business, financial institutions generally look at the records of credit inquiry in the past six months. As long as the inquiry records are reduced, credit can be restored, and credit business can be handled normally after credit is restored. Therefore, the credit report is spent, and users do not need to repair it. As long as the number of times of handling credit reporting business is reduced, the credit reporting will resume on its own.
2. The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential; The house used for personal housing in the secondary mortgage must be an existing house; The house is a first-hand house purchased with mortgage loan from China Bank; The mortgage registration of the house has been completed, and our bank is the mortgagee of the house; The house has been insured, and the original policy is managed by China Bank; The house has excellent location, convenient transportation, complete facilities and great appreciation potential.
3. Loan amount: loan amount = house value * mortgage rate-original loan principal balance.
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%.
4. Loan interest rate: the commercial loan interest rate 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.