First, through the bank.

1. First, you need to submit an application for secondary mortgage to the loan bank, and then you can go through the secondary mortgage formalities after the bank agrees. The loan bank here is the bank that applied for a loan before, because the same property cannot be mortgaged to different banks.

After the application is approved, you need to submit the information needed for the loan to the bank, which will review your information and tell you the result after the review.

3. After approval, I need to sign two mortgage contracts with the bank and go through the notarization procedures of the loan contract.

After the formalities are completed, the bank will issue loans to itself on the specified date.

The second is through private lending institutions.

1. I need to ask the loan bank to see if they agree to handle the secondary mortgage formalities.

2. With the consent of the bank, the lending institution will know its personal information, see if it meets the requirements of secondary mortgage, and know the basic information of the house.

3. The lending institution will conduct on-the-spot investigation on the house, check the location, facilities, environment and area of the house, and see if the house has the value of secondary mortgage.

4. After the inspection, the lending institution will discuss with itself the second mortgage scheme of the real estate, and specifically determine the loan amount, term, interest rate and service fee of the second mortgage of the real estate.

5. After negotiation, both parties can sign a loan contract with private secondary mortgage.

6. After the contract is signed, the staff of the lending institution will accompany them to the Housing Authority for secondary mortgage registration, and don't forget to prepare relevant materials.

7. After completing the second mortgage registration, I need to go to the Housing Authority to get his right certificate, and hand over the real estate license to the intermediary for safekeeping.

8. After all the formalities are completed, the lending institution will issue the loan to itself on the agreed date. Of course, don't forget to pay the service fee to them.

The requirements for secondary mortgage of real estate are as follows:

1. The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential;

2. The house used for personal housing in the second mortgage must be an existing house;

3. The house is a first-hand house purchased with a mortgage loan from China Bank;

4. The house has been registered as mortgage, and the bank is the mortgagee of the house;

5. The house has been insured, and the original policy is managed by the relevant bank;

6. The house has excellent location, convenient transportation, complete facilities and great appreciation potential.

To sum up, it is completely feasible to mortgage the real estate for the second time, but it needs to be handled in accordance with the procedures prescribed by law. If it is a bank that lends money for the first time, you must make sure that there cannot be two banks for the same real estate loan. You can consult more when handling it, so as not to waste time.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 409

The mortgagee may give up the mortgage or the sequence of the mortgage.

The mortgagee and the mortgagor may agree to change the mortgage order and the amount of secured creditor's rights.

However, without the written consent of other mortgagees, the change of mortgage right shall not adversely affect other mortgagees.

If the debtor mortgages his own property, and the mortgagee abandons the mortgage, the mortgage order or changes the mortgage, other guarantors shall be exempted from the guarantee liability within the scope of the mortgagee's loss of priority rights, except that other guarantors promise to still provide the guarantee.

Measures for the administration of urban real estate mortgage

Article 32

To handle the registration of real estate mortgage, the following documents shall be submitted to the registration authority:

(1) The identity certificate or legal person qualification certificate of the mortgagor;

(2) An application for mortgage registration;

(3) mortgage contract;

(4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted;

(5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage;

(6) Information that can prove the value of the mortgaged real estate;

(7) Other documents deemed necessary by the registration authority.