1, through bank loans. Usually, it is necessary to repay the loan in advance, and then mortgage it in other banks after paying off the remaining loan of this property. However, in some banks, mortgage houses can be directly mortgaged. Banks have different requirements for the second loan of mortgage houses, so it is recommended to consult the local bank outlets in detail.

2. Loans through guarantee companies. There is no need to prepay, but the loan amount generally cannot exceed the residual value of the mortgaged property.

It should be noted that not all properties can be mortgaged twice. The second mortgage of real estate is usually restricted by certain conditions. The conditions are as follows: the house used for the second mortgage of individual housing must be an existing house, and the house should be a high-quality house or a commercial house with great market development potential. If the property has no high economic value, it is usually impossible to apply for a loan smoothly.

In addition, the amount of the second mortgage of the property will not be very high. Generally speaking, loan amount = house value * mortgage rate-original loan principal balance.

What should I pay attention to in the second housing loan?

1. Pay attention to the loan amount.

Before applying for a second loan, you must first know whether you meet the conditions for a second loan. After you qualify for a second loan, you should understand the relevant processes, required information, precautions, etc. In addition, you should know how much you can borrow for the second loan.

Generally speaking, if you apply for a second loan for a residential building, the loan amount should not be higher than 70%, and if you apply for a second loan for a commercial building, the loan amount should not be higher than 50%. You need to know this.

2. The loan procedures are basically the same.

Generally speaking, the procedures for the second loan and the first loan are basically the same, and the materials to be submitted are basically the same. Although the second loan is faster and the lending speed is faster, the interest rate of the second loan will be much higher, and their mortgage ranking is different. In addition, when handling the second loan, the loan amount cannot be higher than the value of the house after the first loan.