Because your house mortgage is actually mortgaged to the bank, you can't make another mortgage with a mortgaged property.

Mortgage is valued according to the market evaluation value of your car or house. Generally, a 2 million house can be mortgaged1100,000, unless you ask the appraiser to give you a higher valuation.

Your father can sign it. But your father may not meet the loan conditions. It is impossible to do business because there is no wage income at the age of 60. So it's best to transfer ownership.

The interest rates of long-term loans and short-term loans generally fluctuate within the benchmark interest rate set by the central bank. Adjust according to your loan amount and loan term. One million is a large loan, five years is a long-term loan, and the interest rate is relatively high. It may take a minute or two. In fact, the interest rate can be negotiated with the bank, depending on how you get rid of the leadership.

The loan term depends on your loan purpose and repayment ability. The mortgage time will be longer.

The loan is handled with the bank, the mortgage is registered with the bank, and it has nothing to do with the bank. The interest rate has little to do with the purpose of your loan. But because it is related to the time limit, it is related to the use.

The loan process is generally: loan application, loan investigation, loan approval, relevant procedures and loan issuance.

The time for lending is mainly stuck in the loan approval. A few days to a week faster, a month or two slower. After more than two months, I can stop dreaming.

10 The method of paying interest is stipulated in your loan contract. There are monthly and quarterly magazines. Generally speaking, it doesn't mean that in the end, it will be repaid with interest. Originally, it could be repaid in the end, but some banks require a little repayment every period. The general practice is to pay interest on a monthly basis, and the last installment is paid off with the interest of the last installment.

If you can't afford it, you must postpone it. The interest rate is higher, but it is better for your credit report. I can't afford it. I'd rather postpone than expire.