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 house has been registered as mortgage, and I am 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.

Can a house with outstanding mortgage be mortgaged for the second time? Many people already have mortgages, and their houses have been mortgaged to banks, but they also have financial needs and need loans. So I want to ask, can their house be mortgaged again and apply for a loan? Let's talk it over with you.

Can the house being loaned be mortgaged and refinanced? Theoretically, it is possible. A house bought with a loan can be mortgaged twice.

What exactly does secondary mortgage mean? In fact, secondary mortgage refers to re-mortgaging the mortgaged property and obtaining a loan from a specific lender. One feature is that you can directly re-mortgage and get a loan again without paying off the previous loan, which saves a lot of time and prepaid costs and other intermediate links.

Generally speaking, as long as your house is mortgaged by the bank, you can basically go to two mortgage, but there is a premise that you must have space in two mortgage. To put it bluntly, when your house arrives, the remaining principal is less than 60% of the total market value of the property. Because the bank also has to calculate an account.

So, what should we pay attention to when we apply for a mortgage loan again?

1, applicant's age

The average applicant is under 60 years old and under 65 years old, and the bank loan period+customer age shall not exceed 70.

2. Personal debt and credit status

Second, mortgage depends on your debt and credit first. If you are insolvent or have bad credit, it is difficult to approve two mortgages.

3. The house you arrive at must have enough space surplus value.

Secondary mortgage, also called residual value mortgage, so the house needs to have enough residual value space. It's already mentioned above, so I won't go into details.

4. The mortgaged house has obtained the title certificate.

The second mortgage house can only be an existing house, not an auction house. Before the loan is paid off, the property belongs to the bank, that is to say, you don't have full ownership. Without the real estate license, the borrower can't go through the mortgage registration formalities of the property.

It is necessary to clarify the purpose of the loan.

Mortgage housing loans need to have clear loan purposes. We certainly can't do something that is explicitly prohibited by law. We must use it for special purposes. Under normal circumstances, many cities do not allow you to borrow money to buy a house again to prevent illegal funds from flowing into real estate.

6. The application time must be one year after the mortgage loan is repaid.

The application time is more than one year after the mortgage loan is paid off, which means that the applicant must repay the original mortgage for more than one year or more.