Don't even think about it It must be that the mortgage interest is relatively low. After all, the interest on his loan, which belongs to welfare, is definitely relatively low. And that kind of commercial loan, the interest is relatively high.

2. Can I go to mortgage to buy a house with a mortgage in my name?

Generally speaking, the existence of running loans does not affect the installment mortgage. If it meets the requirements of regulatory policies and repayment ability, it can apply for a loan again (whether it can be issued shall be subject to the audit of the handling bank):

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. ) Remarks: 1. Loans can only be made with collateral, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; 4. Age limit of the borrower: the age loan period for men shall not exceed 60 years, and the age loan period for women shall not exceed 55 years; 5. Customers blacklisted in the credit information system cannot apply for loans; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. It usually takes about 1 month to get a loan. Process: 1. Apply for a loan from the bank. 2. After the acceptance of the bank, evaluate the value of the mortgaged property, and verify the loan amount according to the evaluation value. 3. Open a personal current deposit account and sign a loan contract. 4. Apply for real estate mortgage registration; 5. Bank loans.

Third, can a mortgaged property be mortgaged?

Can only do private loans.

4. Can a mortgaged house be mortgaged?

Legal analysis: Yes, there are two ways: way one: secondary mortgage. If the lender has a house that is being repaid and has paid the mortgage for a period of time, he can apply for a loan at the same bank. Method 2: find a guarantee company to pay in advance. If the lender has a house that is repaying the mortgage, but it is in urgent need of a large sum of money, he can find a formal guarantee company to pay in advance, pay off the existing loan, then cancel the mortgage, apply for a loan with the property as collateral, pay off the advance payment of the guarantee company after obtaining the loan, and use the remaining funds for himself.

Legal basis: According to Article 395 of the Civil Law of People's Republic of China (PRC), the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.