1. Evaluate about 70% of the general loan evaluation price first, and then provide ID card, household registration book, household registration book, income certificate and marriage certificate.

2. Go to the bank for an interview, get the loan approval letter, pay off the last bank loan in advance, and cancel the mortgage registration.

3. Go to the Construction Committee to register the second mortgage, and you can lend money within 3 days.

Extended information:

Two mortgage is different from the requirements of the first mortgage loan. Specific requirements include the following aspects:

1. Banks have higher requirements for the potential of secondary mortgage housing, generally targeting those high-quality housing or commercial housing with great market development potential. Such houses generally have a large room for appreciation, and the success rate of banks in reviewing secondary mortgages will be higher.

Second, the bank requires that the real estate in the secondary mortgage must be an existing house, and the auction house cannot be used as collateral for the secondary mortgage.

Three, apply for a second loan, the applicant bank and the original housing loan bank should be interlinked, there can be no separate loans between the two banks.

Housing secondary mortgage in addition to the above requirements, the secondary mortgage process generally includes five aspects:

First, after the owner applies for a second mortgage, the bank will assign a special person to evaluate the value of the property, mainly to evaluate its appreciation potential, and then give reference value according to the evaluation results;

Second, when the owner handles the second mortgage of the house, he needs to issue personal identity certificate, property certificate, income certificate and other supporting materials required by the bank;

Third, the lender himself needs to bring all the information to the bank for face-to-face, and sign the application form for the second mortgage of the house;

Fourth, the bank will review the personal data of the property and the lender and calculate the loan amount at the same time;

Finally, after the approval, the lender needs to register the mortgage in the bank and wait for the loan.

Housing two mortgage is a kind of mortgage loan that has attracted much attention in recent two years. Many of them are in urgent need of funds, and their property is being mortgaged. You can choose to use two mortgages to obtain funds. The second mortgage of houses is still relatively unfamiliar to some people, especially the mortgage process.

First of all, the so-called second mortgage of housing refers to the act of applying for a loan again in the process of mortgage loan, which is also a brand-new mortgage loan service for banks. When the house is located in two mortgage, the bank will re-evaluate the value of the house according to the principal and interest repaid by the owner. On the basis of evaluating the price, apply for a loan from the bank again with the value after deducting the loan balance as collateral.