China Industrial and Commercial Bank: You can accept the application for the second mortgage, but only if the first mortgage loan is also handled in this bank. Personal housing mortgage comprehensive consumer loan means that you provide a second or more housing mortgage guarantee in the name of yourself or your spouse, and apply for a RMB loan from ICBC for personal legal and compliant consumption purposes.
China Merchants Bank: Like ICBC, the premise of handling two mortgage is that the first mortgage loan is also handled in this bank.
Materials to be prepared for the loan: valid identity documents of the borrower and spouse, and proof of marital status. Household registration certificate, professional certificate and personal repayment ability certificate. The borrower and spouse have two or more sets of real estate licenses. Proof of ownership of mortgaged property, collateral value evaluation data. Proof of loan use.
The following conditions must be met: the real estate used for mortgage and the lending institution must be located in the same city, and personal mortgage loans do not accept collateral from different places. The real estate whose appraised present value is less than 654.38 million yuan (inclusive) will not be mortgaged. The completed property certificate shows clear property rights, can be listed and circulated, and can be registered as a mortgage according to law, and there is no unfavorable liquidation situation such as property rights disputes. With strong mobility, the property structure is intact, water, electricity, environmental protection, transportation, urban construction, property management and other supporting facilities and services are complete, and there are no disputes and problems, which are not within the scope of demolition planned by the government. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan or credit period is not more than 40 years in principle. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan or credit period is increased in the age of the house. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral. Whether the specific property meets the requirements needs to contact the personal loan department of local outlets for consultation and confirmation.