You can get a second loan, apply for a house in the bank, and get a second mortgage. It is best to apply in the same bank. If you go to another bank for a second mortgage, it will be difficult to pass. There is a limit for two mortgages: the market value of real estate multiplied by the mortgage interest rate MINUS the outstanding mortgage. For example, if your property is mortgaged for the second time, the market value is 6.5438+0 million, the mortgage rate of the bank is generally 70%, and your first mortgage loan is still 500,000, then you can only borrow: 6.5438+0 million 70%-500,000 = 200,000.

Extended data:

Two mortgage is an additional loan service provided by China Bank for borrowers who have obtained housing mortgage loans from China Bank. After repaying a certain loan principal and interest, if you need funds for personal consumption or business temporarily, you can use the difference between the mortgage value of the house and the original loan balance as collateral and apply for a loan from the bank again.

The borrower must be a primary mortgage loan customer of China Bank, with no interest default, stable income, good credit, the ability to repay the loan principal and interest on schedule, and have repaid the principal and interest on schedule for more than two years.

The second mortgage of the house Baidu Encyclopedia

The mortgage has not been paid off, can I go to the second mortgage?

You can't.

First, the reason:

Before the loan is paid off, the owner cannot enjoy the complete right to dispose of the house.

Second, the solution:

Pay off the current mortgage first, and then apply for a mortgage. After repayment, you can get the property right and make a second loan. If the existing funds are insufficient, you can find a prepayment company to repay the bank loan first, and then apply for a mortgage loan again before returning the money to the prepayment company.

Iii. Application conditions for secondary mortgage:

1. The house used for secondary mortgage must be an existing house;

2. The mortgage registration of the property has been completed, and the handling bank is the mortgagee of the property;

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

4. The balance of the house purchase loan with the secondary mortgage loan of the property is lower than 70% of the current house price;

5. The borrower has full capacity for civil conduct, stable income and good credit;

6. The property should be high-quality housing and commercial housing with great market development potential.

Extended data:

First, the amount of the second mortgage of the house.

1, loan amount = mortgage rate of house value-balance of original loan principal;

2. The value of the house is compared with the original purchase price of the house and the evaluation price at the time of secondary mortgage, whichever is lower. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%.

Second, the term of the second mortgage of the house

The duration of the two mortgages depends on the purpose of the loan. For personal consumption loans, the term shall not exceed 5 years, and for personal business loans, the term shall not exceed 3 years, and the maturity date of the loan shall not exceed the maturity date of the first mortgage loan.