The two mortgage conditions of mortgage are as follows:

1. The house used for secondary mortgage must be an existing house.

2. The registration of real estate mortgage has been completed, and the handling bank is a housing mortgage loan.

The house has been insured, and the original policy is managed by the bank.

4. The loan balance of the second mortgage amount of the property is lower than 70% of the current house price.

5. The borrower has full capacity for civil conduct, stable income and good credit.

6. The property should be a commercial and residential building with large market development space.

Treatment method:

First, directly in the original loan bank, but must repay the loan principal and interest in full and on time within a certain period of time, and have a good credit record;

Second, the formal guarantee company advances funds to settle the loan, then goes through the mortgage cancellation procedures, and then uses the house as the mortgage to handle the loan; The advance payment of the guarantee company is not taken for nothing. How long will it take? Will pay a certain fee to the guarantee company according to the monthly interest of the guarantee company.

Normal secondary mortgage is basically these two ways, and some financial institutions also have related businesses. In the final analysis, it is also these two ways.

Which banks can I go to for the second mortgage?

Banks that can handle housing in two mortgage: Industrial and Commercial Bank, China Merchants Bank, Industrial Bank, Jiangsu Bank and Ping An Bank.

1. Industrial Bank: At present, the term of the second mortgage loan of Industrial Bank is the longest among all banks, reaching 30 years. Other banks can only do secondary mortgage business for 5-20 years. If you want to make a second bet for a long time, it is recommended to choose Industrial Bank.

2. Ping An Bank: Ping An Bank has always been "atmospheric". The same is true of the second mortgage business. Ping An Bank is a good choice if the loan is more focused on the loan amount. Its loan amount can reach 75% of the loanable space of real estate.

3. Jiangsu Bank: In the second mortgage loan business, Jiangsu Bank has no restrictions on the bank where the borrower applies for the first mortgage, and can recover the funds within five years after the second mortgage loan, which is relatively flexible and convenient.

4. Industrial and Commercial Bank of China: The application for second mortgage can be accepted, provided that the first mortgage loan is also handled in this bank.

5. China Merchants Bank: Like ICBC, apply for a second mortgage, provided that the first mortgage loan is also handled at the bank.

Precautions:

1. First of all, the borrower needs to submit a loan application to a bank that can handle the secondary mortgage. After the bank accepts the loan application, the borrower submits the relevant loan information to the bank for review. After passing the examination, the borrower can prepare to sign two mortgage contracts.

2. The interest is calculated according to the original contract interest rate. In case of legal interest rate adjustment, the houses used for individual housing in the secondary mortgage must be existing houses, and the houses used in the secondary mortgage should be high-quality houses and commercial houses with great market development potential.

Which banks can make a second mortgage?

Many banks can get a second mortgage, such as Industrial and Commercial Bank of China and Bank of Communications. Of course, some banks do not support secondary mortgage, such as China Merchants Bank, and do not accept secondary collateral.

If you want to apply for a second mortgage loan, you can call the staff of the local bank and choose a bank that can handle this business. Or go directly to the loan company, and most loan companies can apply for a second mortgage.

The reason why some banks can't handle the second mortgage is actually because the risk of the second mortgage will be greater. After all, the property used for the second mortgage itself needs to be repaid. If a second loan is made, the repayment pressure of the borrower will be considerable, and correspondingly, the risk of overdue will be great.

Therefore, it is normal for banks not to handle it in order to reduce risks. Those banks that can conduct two mortgage will also have stricter requirements than ordinary lenders.

If customers want to apply for a second mortgage, it is best to consult the loan bank first. If the loan bank accepts the second mortgage, it will be better to handle the second mortgage in the loan bank, and the success rate will be higher than that in other banks.

In which bank can I apply for a house in two mortgage?

1. Industrial and Commercial Bank of China and China Merchants Bank can handle the "second mortgage" loan, but the borrower's first mortgage must be handled at the bank;

2. Jiangsu Bank, Industrial Bank, Ping An Bank and Minsheng Bank can accept non-bank customers to handle the second mortgage business.

A, handling requirements:

1. Whether the property ownership certificate has been obtained;

2. Whether there is room for loan in the mortgaged property.

Second, choose a bank suggestion:

1. Industrial Bank: At present, the term of the second mortgage loan of Industrial Bank is the longest among all banks, reaching 30 years. Other banks can only do secondary mortgage business for 5-20 years. If you want to make a second bet for a long time, it is recommended to choose Industrial Bank.

2. Ping An Bank: Ping An Bank has always been "atmospheric". The same is true of the second mortgage business. Ping An Bank is a good choice if the loan is more focused on the loan amount. Its loan amount can reach 75% of the loanable space of real estate.

3. Jiangsu Bank: In the second mortgage loan business, Jiangsu Bank has no restrictions on the bank where the borrower applies for the first mortgage, and can recover the funds within five years after the second mortgage loan, which is relatively flexible and convenient.

Which bank can borrow money for the second mortgage of real estate?

Industrial and Commercial Bank of China, China Merchants Bank, Industrial Bank, Jiangsu Bank, Ping An Bank. ② Some precautions related to it: First, the borrower needs to submit a loan application to a bank that can handle the secondary mortgage. After the bank accepts the loan application, the borrower submits the relevant loan materials to the bank for review. When the original contract interest rate and legal interest rate are adjusted, the house used for personal two mortgage must be an existing house, and the house used for two mortgage should be the market development potential of high-quality residential and commercial real estate. (3) Conditions for secondary mortgage of real estate: A. Basic conditions: 1. Has obtained the real estate license; Secondly, the property has residual value after deducting the previous mortgage loan amount. For example, the real estate value is 654.38+0 million. Previously, only 6.5438+million was mortgaged, and now there are more than 900,000. B other conditions: first, the housing to be used for secondary mortgage should be high-quality housing and commercial housing with great market development potential; Secondly, the house used for personal housing in the second mortgage must be an existing house; Third, the house is a first-hand house purchased with a mortgage loan from China Bank; Finally, the house has a superior location, complete facilities and great appreciation potential. Extended information: ① Personal housing second mortgage is a mortgage service provided by China Bank for borrowers who have obtained housing mortgage loans from China Bank. ② Loan amount: loan amount = mortgage rate of house value-original loan principal balance. The value of the house is compared with the original purchase price of the house and the evaluation price in the two mortgages, whichever is lower. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of the second loan secured by the Commodity House shall not exceed 50% at the maximum. ③ Loan interest rate: the same as the commercial loan interest rate, subject to the interest rate stipulated by the People's Bank of China. Foreign exchange loans of the same grade shall be subject to the same foreign exchange loan interest rate stipulated by China Bank. If the loan term is less than one year, when the legal interest rate is adjusted, the interest will be calculated according to the original contract interest rate; If the loan term is more than one year, when the legal interest rate is adjusted, the new interest rate will be implemented from 65438+ 10/in the following year. Article 199 of China's Property Law stipulates that if the same property is mortgaged to more than two creditors, the proceeds from auction and sale of the mortgaged property shall be paid off in accordance with the following provisions: if the mortgage has been registered, it shall be paid off in the order of registration; First, in the same order, according to the proportion of creditor's rights; B, the registered mortgage is paid before the unregistered mortgage; C. if the mortgage is not registered, it shall be paid in proportion to the creditor's rights.