In China, houses can be mortgaged for the second time, but certain conditions must be met. Under normal circumstances, a house with a second mortgage needs to meet the following conditions: First, a house that can apply for a second mortgage generally has a good space for maintaining and increasing value. Therefore, the geographical location of the house and the surrounding facilities are better; Second, you can apply for a house with a second mortgage, which must be an existing house, not an auction house; Third, the borrower's credit of the second loan should be good, and the existing mortgage loan has no serious overdue record; Fourth, the borrower of the second loan must have a stable income. Can guarantee to repay the new loans on time on the premise of returning the existing loans; 5. Under normal circumstances, the bank that can handle the second mortgage is the same as the bank that handles the first mortgage; Six, sometimes, the bank will require the borrower, according to the provisions of the insurance; Seven, the second mortgage, often need the first loan, has been returned on time for a certain number of years. For example, the requirement of China Bank is 2 years.

Second, what are the conditions for the second mortgage of the house?

Housing secondary mortgage to meet the conditions are:

1. The borrower has the ability to stabilize his occupation and income and repay the loan principal and interest on schedule;

2. The borrower's credit status is good;

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

4. The secured creditor's rights shall not exceed the value of the house.

Article 9 of the Measures for the Administration of Urban Real Estate Mortgage stipulates that if more than two mortgages are set on the same real estate, the mortgagor shall inform the mortgagee of the mortgages already set.

The creditor's rights secured by the mortgagor shall not exceed the value of the mortgaged property.

After the real estate is mortgaged, if the value of the mortgaged real estate is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.

Article 10 stipulates that if the same mortgage is set on two or more real estates, it shall be regarded as the same mortgaged real estate. Unless otherwise agreed by the parties to the mortgage.

legal ground

Article 9 of the Measures for the Administration of Urban Real Estate Mortgage

If more than two mortgages are set on the same real estate, the mortgagor shall inform the mortgagee of the mortgages already set.

The creditor's rights secured by the mortgagor shall not exceed the value of the mortgaged property.

After the real estate is mortgaged, if the value of the mortgaged real estate is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.

Article 10

If the same mortgage right is set on two or more real estates, it shall be regarded as the same mortgaged real estate. Unless otherwise agreed by the parties to the mortgage.

3. What are the conditions for applying for the second mortgage of ICBC?

Mortgage application conditions: not all houses can be mortgaged with bank loans.

First of all, the rigid requirements of most banks are that the age of the house is within 15, the area is over 60 square meters, and the loan application amount cannot be less than 300,000. Applicants should have extra rooms. And provide repayment sources and loan purposes, such as personal flow, invoices, etc. Some people think that their houses are in a good location and the market price is high, so they can definitely apply for mortgage bank loans from banks. This is wrong.

When banks apply for loans, the first thing to consider is risk. Mortgage bank loan interest rate: Because the economic environment is changing and the interest rate is also changing, consumer loans should at least rise by 1030% now. Not to mention personal business loans, which may rise by 4050%. Therefore, when applying for a loan, you should consider your repayment ability, otherwise the monthly pressure will be too great, which will be very hard and embarrassing.

4. What are the requirements for applying for ICBC's second mortgage?

The application conditions for individual housing mortgage comprehensive consumer loans are as follows:

1. The age is between 25 and 60 (inclusive);

2. Regular employees who have a fixed work unit and have worked in this unit for more than one year.

3. Have a valid ID card and a valid residence certificate);

4. Have a good credit record and no illegal acts or bad records;

5. Have the ability to repay the loan principal and interest in full and stably;

6. It has a clear loan purpose and can provide effective real estate mortgage;

7. Open a settlement account with our bank.

Tips: As there may be differences in different regions, please contact the loan bank for confirmation before handling the specific regulations.