Users who have a mortgage loan on their house can apply for a second mortgage loan on their property. However, there are other requirements for real estate second mortgage loans that are relatively high. Generally, only new houses with room for appreciation, development potential, and good location can be applied for. In addition, the home mortgage loan will not affect the user's daily normal use. As long as the user repays the loan on time, renting or living will not be affected. The above is the relevant content of whether it is possible to get a second loan if the house has a mortgage loan. What are the main things to look for in a mortgage loan?

1. Materials: Individuals need to be prepared to provide materials for bank loans, which generally include loan application, user’s identity document, household register, personal Income certificate, house ownership certificate and other materials;

2. Personal situation: The user needs to be over 18 years old and under 65 years old, and a natural person with full civil capacity;

3. Loan repayment ability: The bank will review and approve the borrower's qualifications and personal credit report, mainly to consider whether the borrower has the ability to repay the loan;

4. Collateral: The bank will review the collateral For evaluation and approval, the main reason is that the collateral has a high value retention rate and can be converted into cash.

When a user applies for a loan, no matter what type of loan there is, the bank will assess the user's loan qualifications. It mainly depends on the user's personal credit report, turnover in the past year, real estate status, company operating status or whether the workplace is good, whether there have been recent disputes, and whether the real estate is mortgaged in other institutions. How to check the loan contract number

1. Bank official website query: Users can directly log in to the loan bank's website, find the "Personal Loan" page, click View to view "My Loan Details" "Information", you can find the house loan contract number there;

2. Real estate bureau inquiry: Users can bring their personal ID cards to the local real estate bureau to check the personal house loan contract number, or You can directly log in to the website of the Real Estate Administration Bureau to check;

3. Query on the official website of the Provident Fund Center: If the user is applying for a provident fund loan, you can directly log in to the website of the Provident Fund Center, and the personal account information is If there is loan information, click "Loan Record Query" to find out the personal home loan contract number;

4. Written contract or electronic contract query: Then the user only needs to open the electronic contract , the loan contract number is on the upper right side of the front of the contract.

This article mainly writes about the knowledge points about whether you can get a second loan if you have a mortgage loan for your house. The content is for reference only.