Question 1: What does the second loan mean? What are the two types of arrival? What is the difference? The second mortgage is actually another mortgage by using the surplus value of the collateral after the original mortgage. For example, if you do a house in a bank, you can get a 60% discount, and you can do it in an investment company again 1 to 3% discount (banks can only go to investment companies without making a second mortgage). At present, there are generally not many people willing to make a second mortgage, which is risky.

Question 2: What is the meaning of "one for two" in the loan? A low loan means that you borrow money from the bank first. Generally, the housing bank of 654.38+00,000 may only give you about 700,000. If you still want to use the money, you have to find a loan company to refinance and lend the remaining 300 thousand, which is called two to one.

Question 3: What is a pair of second mortgages without loans? Mortgage and borrowing money are called one-to-one mortgage.

Generally speaking, this house belongs to the owner. Then, the owner may be an individual or an enterprise. It is the first column of the title certificate. One is a personal name and the other is a business name.

Personal residence, there are also distinctions, houses, or shops. Generally speaking, houses are 30% off the current price of real estate, and shops are 50% off. The current real estate price is generally based on the market price. If it is a second-hand house that has just been bought within one year, the transaction price (i.e. deed tax price) shall prevail. The private lending industry, or the current platform, is mostly personal property. Because enterprise property rights cannot be owned by individuals, unless this platform has financial banking licenses such as financing and small loans. By the way, corporate real estate. Enterprise real estate, that is, land, is priced separately from factory buildings. Generally speaking, there is a guiding price for land in the local area, and there is a floating ratio for how much an acre is. Factory buildings are priced according to the structure, and brick, wood, steel and concrete also have guidance prices. General steel-concrete structure is about 1000 cubic meters. This price is calculated according to the title certificate, and the price of real estate or land that is not on the certificate is calculated separately. Generally speaking, it is the warrant area and the actual area.

Then, in the case of mortgage loan, the borrower needs to refinance, but nothing else. At this time, there will be two arrivals.

The second situation arises because the house has a residual value. Simply put, the current price of the property is greater than the existing loan amount.

The operability of the second offset lies in local policies, and in some places it is impossible to do it at all. Because in principle, two arrivals violate the right of one arrival, and it is necessary to obtain the consent of one arrival. But in some places, you can do it. For example, in Foshan, which I know, there are two places where I can make two payments.

Of course, the property has been mortgaged twice. It will also be marked on the original title certificate. For a house, there will be two other warrants.

Question 4: What does the second mortgage mean? 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. Conditions in two mortgages For mortgaged second-hand houses, the following conditions must be met at the same time: 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 mortgage registration of the house has been completed, and our bank is the mortgagee of the house; 5. The house has been insured, and the original policy is managed by China Bank; 6. The house has excellent location, convenient transportation, complete facilities and great appreciation potential.

Question 5: One-to-two mortgage loan means yes. The property can be mortgaged multiple times. Every time registration is required, the first registration is one-to-one, and then the second registration.

Question 6: What do you mean by the mortgage-to-mortgage conversion table? A mortgage is a second mortgage, which means that your house was originally bought by mortgage. On this basis, you can go to the bank to mortgage.

Question 7: What does the second mortgage in the loan mean? The second mortgage is to re-apply the original loan. For example, if you have a real estate license, you can refinance the loan in the form of a second mortgage.

Question 8: What does the house mortgage mean in the contract? If you can't do it twice. All mortgage should refer to all mortgage of the registered area of housing property rights. Theoretically, collateral can also be mortgaged more, but the mortgagee who is registered later and repays later is generally unwilling to accept the second mortgage.

Question 9: What is the second mortgage of real estate? How to calculate the second mortgage of real estate? Generally, real estate has loans. Before the loan is paid off, in fact, you will only lend you a house if you mortgage a part of the house to the bank. When you haven't paid off your mortgage and want to apply for a loan again with this house as collateral, that is "second mortgage of real estate".

Question 10: What does it mean that there is 700,000 mortgage left in the second house? The loanable amount of the house in two mortgage loans.

Total house appraisal price-existing house debt = remaining mortgage amount

Loan products

Suitable area: Beijing interest rate description: the benchmark interest rate rises appropriately.

Maximum use, longest loan term, loan amount and loan conditions

Personal comprehensive consumption, business operation, etc. 65,438+00,65,438+00,000,000 yuan needs Beijing real estate mortgage.

Home equity loan:

Refers to the additional loan service provided to borrowers who are repaying mortgage loans. After repaying a certain mortgage, the borrower needs funds for personal consumption or business, and the difference between the mortgage value of the house and the original loan balance can be used as a mortgage to apply for a loan.

Net loan: appraised value * loan ratio-loan balance (maximum100000)

Loan ratio: 60% for residential buildings (commercial buildings) and 50% for commercial buildings (shops and office buildings).