Legal subjectivity: Yes. Prerequisite requirements: 1, and the real estate license has been processed. 2. The property has residual value after deducting the previous mortgage loan amount. If the previous mortgage loan amount is far less than the property value, for example, the property value is 6.5438+0 million, only 6.5438+0 million is mortgaged, and there are more than 900,000. 3. The second mortgage can only take the residual value as the collateral value, and the general bank loan will be discounted, such as 60% off. You can only mortgage 90 times 0.6, which is 540 thousand.

Legal objectivity: Article 11 of the Interim Measures for Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

2. What are the procedures for applying for a mortgage house with a second mortgage in the bank?

Mortgage loan can be divided into short-term secondary mortgage and bank secondary mortgage. 1. If you only need money urgently for a short period of time and want to use the mortgaged house as a loan, there are two situations: (1) Having a house book, and the procedure: mortgage registration-loan notarization-lending. You can lend money on the same day. This is a loan from a guarantee company, which repays the principal on a monthly basis and is generally suitable for customers who need money urgently in the short term. (2): the house is not under: the house is not under, but the bank has a loan and wants a short-term turnover. This kind of house without room can only go to the guarantee company, and the short-term loan is up to one year. The procedures are incomplete and it is impossible to make a second loan from the bank. 2. If you have a house, you want a long-term loan: you can mortgage the house of a bank twice, find a new bank to apply for a loan, and then help you and the original bank to lift the mortgage after the loan is approved, so as to ensure the issuance of the second loan. We only charge loan service fees for bank loans. For normal commercial housing, we charge 1% of the loan amount as a service fee, which will be charged after the bank approves the loan. 3. If you have a house and want a long-term loan, but you are in a hurry to use the money: we can pledge the loan from the company on the same day and then help you with the bank loan immediately. Normal bank loans take about a month to lend money, and after bank loans, you pay back the bank monthly, which not only solves the difficulty of urgent need of money, but also solves the problem of high pressure on long-term loans.

3. Can I go to ICBC to get the real estate license as a secondary mortgage?

You can get a mortgage twice.

The process of handling the second mortgage of the house:

(1) With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a house purchase contract or letter of intent;

(2) Apply for a loan from the bank and submit relevant materials;

(3) After the bank conducts credit investigation and review on the borrower, it will inform the borrower of the review results; If the bank agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a supplementary contract for housing mortgage loan with the seller, and the seller will pay off the difference between the loan amount and the loan principal and interest owed by the seller;

(4) The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller;

(5) After obtaining the land and house property right certificate, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank;

(6) The borrower repays the loan on schedule.

Secondary mortgage refers to re-mortgaging the mortgaged property and obtaining loans from specific lenders.

The characteristic of secondary mortgage is that you can get a loan again without paying off the previous loan, which saves time and the cost of prepayment.