Can the vehicle be used for secondary mortgage? Vehicles can be used for secondary mortgage, but certain conditions need to be met. Specific requirements: First, the value of the vehicle is sufficient to meet the conditions for secondary mortgage compensation; Second, the procedures for the second mortgage should be complete, and there should be no omissions, just like the operation of the first mortgage; Third, the mortgage car side needs to have a stable economic income, that is, the ability to repay; Fourth, one party to the automobile mortgage needs to meet other requirements put forward by the lender. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. Mortgage is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage refers to the agreement between the mortgagor and the mortgagee to guarantee the creditor's rights that occur continuously in a certain period with collateral within the maximum creditor's rights limit. It is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the differences are as follows: (1) the creditor's rights secured by the maximum mortgage are uncertain creditor's rights; (2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights; (3) if there is a maximum mortgage, it must exceed the maximum payment; (4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage. Type of property that cannot be mortgaged 1: property with outstanding loan; Such a property is generally mortgaged or in a state of mortgage, and the bank already owns other rights of the property. In the process of mortgage, it cannot apply for a mortgage loan again. Type 2: partially purchased public houses; This is a purchased public house, and it is impossible to provide a purchase contract or purchase agreement; The other is the central delivery room that cannot provide the listing certificate of the central delivery room. The third category: affordable housing for less than five years; Refers to the relocation house managed by affordable housing, or purely affordable housing, which is not allowed to be listed and traded for less than 5 years, so it is not necessary to make mortgage loans. Type 4: Small property houses without property right certificates. This kind of real estate can't be listed and traded, can't be mortgaged to the Construction Committee, and can't apply for mortgage consumer loans. Can the loan car be mortgaged twice? The loan car can be mortgaged twice. If the actual value of the vehicle itself is relatively high, the first mortgage value is relatively low, and there is a residual value, then the residual value can be mortgaged again. Loan vehicles can apply for a second mortgage, but only if there is room for remortgage. If an individual owns a car, but has mortgaged it as collateral, he can also refinance the loan with the car. Under normal circumstances, the interest of one-month commercial loan 100w is 3625 yuan, and the interest of the spring part of the provident fund loan is 229 1.67. The monthly interest rate of the actual loan 100w may be higher than the above data. The interest rate is calculated according to the benchmark interest rate of 4.35% for commercial loans and 2.75% for large and slow provident fund loans. The actual interest rate of banks is higher than the benchmark interest rate. The calculation method of average capital and principal and interest is the same as that of one month's interest, that is, 654.38+00,000× interest rate ÷ 654.38+02, and interest can be earned. When you apply for two mortgages, you don't need to pay off the last mortgage, saving time and cost. Lenders handle loans through loan companies or financial institutions, and borrowers can not only get funds, but also get funds in a shorter time than going directly to the bank. Whether the user can apply for the second mortgage of the loan car depends on the audit results of the bank. After all, the risk of second mortgage is relatively high, so the standards for bank review may be stricter. But generally speaking, a loan car can apply for a second mortgage. As long as the car purchased by users has room for mortgage, they can go directly to the bank for secondary mortgage. However, all users who apply for loan business need to have good personal credit problems, stable economic sources and repayment ability, and good current liabilities. : how to apply for a second mortgage? 1. Under normal circumstances, in the process of secondary mortgage, the loan amount of secondary mortgage will not exceed the value balance of primary mortgage, which is mainly to prevent the applicant from paying off the debt and causing unnecessary trouble to the bank. In addition, the second mortgage does not require the consent of the first mortgagee, but it has obligations to the first mortgagee. 2. The documents required for the procedures of the second mortgage and the first mortgage are basically the same, that is, the procedures of vehicle inspection-vehicle inspection-vehicle mortgage registration at the vehicle management office-signing the loan agreement-withdrawing money on the day of lending.