Nowadays, many people borrow money to buy a house, because the price of the house is so expensive that a family can't afford so much money. However, some people will go to the bank for a loan after taking out a mortgage loan at the bank. This loan is a consumer loan. Can bank loans be used to repay mortgages?

The law does not allow this.

According to the law, you can't repay the loan with a loan, that is, you can't repay the mortgage with a bank loan. In fact, bank loans are divided into two categories, one is credit loans, and the other is consumer loans. Credit loans are like mortgages. There is no need to provide a guarantee, but the bank will review your qualifications and then approve a certain loan for you according to your credit level. Consumer loans are secured. You can apply for a consumer loan in the bank, and then use the money to buy durable consumer goods, such as cars, air conditioners and travel abroad. But consumer loans can't be used to repay mortgages. If the bank finds out that you have done this, it will freeze your loan and let you pay off your mortgage as soon as possible.

Try to make money and pay off the mortgage.

Bian Xiao suggested that friends with mortgages had better work hard to make money to repay their mortgages, and don't think about opportunism. Don't apply for a consumer loan in the bank and then use the money to repay the mortgage. This is a very bad behavior. This is explicitly prohibited by law, because this repayment method will increase the repayment pressure of individuals. If it goes bankrupt, then you will not be able to repay the loan. On the one hand, you have to pay back the mortgage, on the other hand, you have to pay back the consumer loan.

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Therefore, we should be good citizens who abide by the law, don't touch the bottom line of the law, and don't think about using the money borrowed from the bank to repay the mortgage. This is unacceptable and illegal. Bian Xiao suggested that netizens should repay their mortgages on time after applying for them from banks, and strive to make money every month, so that they can pay off their mortgages. Paying off the mortgage by yourself is the right way.

I have a mortgage, can I still get a loan?

You can still borrow money if the mortgage is not paid off.

When a bank applies for a loan, the bank mainly looks at the applicant's current repayment ability and credit history. If the applicant has a good credit record and sufficient repayment ability, he can apply for a loan in the bank. The mortgage has not been paid off, so you can borrow money. Whether an individual's mortgage is paid off has no effect on the individual's application for a loan.

What needs to be understood is that since the personal mortgage has not been paid off, if you apply for a loan in the bank again, the bank will look at your repayment ability according to your current income and monthly mortgage situation. So in this case, because there are still mortgages to be repaid, the amount of loans that individuals can apply for will also have a certain impact.

If you want to buy a house through a loan, you must not do these things.

1. The credit card is overdue three times in a row (or six times in two years).

2. Monthly mortgage payment is overdue for 2 to 3 months or unpaid.

3. The monthly auto loan is overdue for 2 to 3 months or unpaid.

4. If the loan interest rate increases, the monthly payment will still be paid according to the original amount, resulting in overdue interest.

5. Sleep credit card, if not used after activation, will also generate an annual fee, if not paid, it will generate a negative credit record.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Debt and other economic conditions will also affect credit records.

9. Water, electricity and gas bills were not paid on time.

10. Personal credit card cashing.

1 1. student loans are in arrears.

12. Mobile phone debit is linked to bank card debit. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.

13. Being fraudulently used by others or a copy of ID card generates a credit card debt record.

It can be seen that many of these things are easily overlooked in our daily life. Once a bad credit record is accidentally generated, it is a particularly troublesome thing for buying a house with a loan.

Several things you should never do when buying a house with a loan.

Can I get a loan when I repay my mortgage? How can I get a loan from the bank?

Loan consumption has become an indispensable part of modern people's life. Some people borrow money to do business, some people borrow money to shop, and some people borrow money to buy cars and houses. The topic of buying a house with a loan has been discussed a lot, and friends who have this idea should also pay attention to it. Some friends may have applied for a loan to buy a house and are in the repayment stage. Can they borrow money to repay the mortgage?

Loan consumption has become an indispensable part of modern people's life. Some people borrow money to do business, some people borrow money to shop, and some people borrow money to buy cars and houses. The topic of buying a house with a loan has been discussed a lot, and friends who have this idea should also pay attention to it. Some friends may have applied for a loan to buy a house and are in the repayment stage, so can they get a loan for mortgage repayment? How to get a loan from the bank?

Can I get a loan when I repay my mortgage?

If the mortgage is not paid off, you can still borrow, and whether you can refinance is related to two factors: first, the credit status; The second is repayment ability, that is, if you have a good credit record and strong repayment ability, you can apply for a loan again. However, if there is repayment in the process of repaying the mortgage, and the monthly mortgage payment has exceeded 50% of the monthly income, then refinancing is hopeless.

Of course, if you have a mortgage, you can continue to borrow, as long as your income is in direct proportion to your expenditure. Of course, if you want to borrow money, the interest will definitely be higher than your mortgage, because the mortgage interest is stipulated by the state and will not fluctuate too much. If you have a house with a mortgage, it is recommended to make a renovation loan. Interest is relatively low, you can go to the local bank outlets for consultation.

How to get a loan from a bank

Going to the bank for a loan can be roughly carried out according to the following steps:

First, prepare the information. Individuals should first prepare the materials needed to borrow from the bank, which generally include loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If it is a customer with a mortgage loan, it is necessary to issue a certificate of property rights of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

Apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After the customer pays various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.

Second, payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the review fails, the bank will refund the relevant information of the customer and the fees charged.

Third, go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. Then there is a bank loan.

That's what I told you. Can I get a loan when I repay my mortgage? This paper introduces how to obtain a bank loan. Although loans are common, it is not enough to get loans in a few words. Before you get a loan, you usually need to provide relevant information, and then you can get a loan after the approval of the lending institution. These also need to be understood in detail.

Can I repay my mortgage with a low-interest credit loan?

It is impossible to repay the mortgage with a low interest rate loan. Most low-interest loans are business loans and some discount loans. These loans are used for special transfers, and the actual purposes must be the same as those submitted at the time of application. If the bank intends to repay the mortgage in advance with a low-interest loan, it will require the bank to provide its consumption certificate to verify the use of the funds. If you can't provide funds for early repayment, you will refuse to apply for early repayment.

Can I borrow money from the amount platform to repay my mortgage?

You can't borrow money from the quota platform to repay the mortgage.

It is out of the question. First of all, it is not supported to repay the loan through the loan itself. Once the bank finds that there is a problem with the repayment ability of users, it needs to rely on loans to repay mortgages, and it is likely to take risk control measures for users;

Secondly, borrowing as a personal consumption type of loan does not support the inflow of funds into the housing market, and it is only prohibited from the use of funds, not to mention the strict supervision of the use of loan funds now;

Finally, borrowing money requires paying interest and repaying the mortgage with the borrowed money. In the long run, it is easy to increase the repayment pressure of users and it is overdue, so it is not recommended to do so.