Secondary mortgage refers to the re-mortgage of mortgaged property. For example, suppose that your house has been mortgaged in the bank and is still being repaid normally. In this case, you need to reapply for a mortgage loan and you don't have to pay off the bank loan in advance. As long as it can pass the professional evaluation, it can be mortgaged again according to the evaluation value.

The characteristic of secondary mortgage is that you don't need to pay off the previous loan, and you can get the loan again by direct mortgage, saving time and cost.

Banks have different regulations on mortgaged properties, and have corresponding requirements on the completion date and the area where the house is located. For example, before 1995, there were many restrictions on real estate, or in some suburban counties, the proportion of loans was relatively small. However, Jiangchuan Finance has no restrictions on the age and location of real estate. Real estate that can almost be registered for mortgage can be reasonably evaluated according to the price of similar real estate sold in the market at that time, so that lenders can obtain a higher loan ratio than banks.

Only one mortgage registration is needed to realize the maximum mortgage loan. After obtaining the maximum loan amount, the loan can be withdrawn by stages as needed, and the interest calculation time is based on the actual payment time of each payment. This can save a lot of unnecessary interest costs.

Mainly based on the specific requirements of the district construction committees, you usually only need your real estate license (real estate license or house ownership certificate, land use certificate or purchase contract and invoice) and identification documents (resident ID card, military officer's card, etc.). ). According to the time for customers to spend money and the time for each district and county to apply for other rights certificates, under normal circumstances, loans can be obtained on the day of receiving other rights certificates.